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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 | $39,220 | $57,590-31.9% | $86,233-54.5% | $82,448-52.4% |
| Participation rate | 22.7% | 57.9%-35.1pp | 69.0%-46.3pp | 68.1%-45.3pp |
| Annual return | 13.18% | 22.41%-9.2pp | 61.39%-48.2pp | 41.64%-28.5pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,113 | $3,080-63.9% | $4,559-75.6% | $4,139-73.1% |
| Admin fee / account holder | $557 | $4,730-88.2% | $8,342-93.3% | $7,234-92.3% |