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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 | $47,755 | $78,707-39.3% | $117,861-59.5% | $70,126-31.9% |
| Participation rate | 34.5% | 73.2%-38.6pp | 79.7%-45.1pp | 69.5%-35.0pp |
| Annual return | 8.26% | 23.30%-15.0pp | 335.11%-326.8pp | 73.15%-64.9pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,578 | $3,297-21.8% | $4,482-42.5% | $3,332-22.6% |
| Admin fee / account holder | $1,665 | $5,066-67.1% | $8,021-79.2% | $4,645-64.2% |