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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,702 | $76,407+3.0% | $150,298-47.6% | $82,448-4.5% |
| Participation rate | 39.5% | 66.4%-26.9pp | 77.8%-38.2pp | 68.1%-28.5pp |
| Annual return | 11.19% | 39.99%-28.8pp | 62.79%-51.6pp | 41.64%-30.4pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,384 | $3,214-56.9% | $5,453-74.6% | $4,139-66.6% |
| Admin fee / account holder | $986 | $6,352-84.5% | $14,116-93.0% | $7,234-86.4% |