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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 | $29,510 | $72,607-59.4% | $90,259-67.3% | $87,485-66.3% |
| Participation rate | 39.4% | 64.8%-25.4pp | 70.7%-31.4pp | 68.9%-29.6pp |
| Annual return | 11.91% | 18.59%-6.7pp | 18.88%-7.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,442 | $3,055-52.8% | $3,827-62.3% | $4,274-66.3% |
| Admin fee / account holder | $2,748 | $5,947-53.8% | $7,267-62.2% | $7,775-64.7% |