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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 | $10,055 | $51,222-80.4% | $70,544-85.7% | $75,173-86.6% |
| Participation rate | 43.1% | 61.0%-17.8pp | 68.4%-25.2pp | 67.2%-24.1pp |
| Annual return | 11.34% | 30.06%-18.7pp | 32.79%-21.5pp | 160.72%-149.4pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,781 | $2,850-37.5% | $4,568-61.0% | $4,126-56.8% |
| Admin fee / account holder | $1,682 | $4,096-58.9% | $6,427-73.8% | $5,651-70.2% |