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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 | $45,176 | $37,436+20.7% | $77,513-41.7% | $79,858-43.4% |
| Participation rate | 55.0% | 41.5%+13.5pp | 54.2%+0.8pp | 69.6%-14.6pp |
| Annual return | 9.89% | 39.75%-29.9pp | 54.81%-44.9pp | 31.72%-21.8pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $899 | $1,261-28.7% | $1,861-51.7% | $3,740-76.0% |
| Admin fee / account holder | $1,086 | $2,505-56.6% | $2,859-62.0% | $5,306-79.5% |