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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 | $18,746 | $69,444-73.0% | $92,985-79.8% | $87,485-78.6% |
| Participation rate | 31.5% | 63.3%-31.8pp | 69.5%-38.0pp | 68.9%-37.5pp |
| Annual return | 9.02% | 23.85%-14.8pp | 27.99%-19.0pp | 26.06%-17.0pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,385 | $3,364-58.8% | $4,377-68.4% | $4,274-67.6% |
| Admin fee / account holder | $2,076 | $6,137-66.2% | $9,463-78.1% | $7,775-73.3% |