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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 | $32,103 | $76,551-58.1% | $123,894-74.1% | $62,881-48.9% |
| Participation rate | 21.8% | 73.0%-51.2pp | 81.4%-59.6pp | 69.3%-47.5pp |
| Annual return | 4.17% | 18.68%-14.5pp | 47.52%-43.3pp | 20.14%-16.0pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,400 | $4,840-50.4% | $5,984-59.9% | $3,203-25.1% |
| Admin fee / account holder | $7,871 | $4,826+63.1% | $8,357-5.8% | $4,296+83.2% |