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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 | $29,546 | $54,541-45.8% | $78,778-62.5% | $70,126-57.9% |
| Participation rate | 32.4% | 60.8%-28.4pp | 69.2%-36.8pp | 69.5%-37.2pp |
| Annual return | 9.67% | 21.07%-11.4pp | 35.62%-26.0pp | 73.15%-63.5pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,985 | $2,210-10.2% | $2,958-32.9% | $3,332-40.4% |
| Admin fee / account holder | $711 | $3,709-80.8% | $5,134-86.1% | $4,645-84.7% |