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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 | $31,688 | $80,983-60.9% | $96,544-67.2% | $75,177-57.8% |
| Participation rate | 64.7% | 71.8%-7.1pp | 76.0%-11.3pp | 67.2%-2.5pp |
| Annual return | 12.54% | 27.05%-14.5pp | 25.88%-13.3pp | 160.75%-148.2pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,966-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,376 | $3,929-39.5% | $4,851-51.0% | $4,126-42.4% |
| Admin fee / account holder | $3,833 | $6,717-42.9% | $8,254-53.6% | $5,651-32.2% |