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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 | $24,393 | $77,962-68.7% | $178,540-86.3% | $80,935-69.9% |
| Participation rate | 21.6% | 65.7%-44.0pp | 77.1%-55.5pp | 67.7%-46.0pp |
| Annual return | 9.13% | 18.10%-9.0pp | 27.15%-18.0pp | 35.66%-26.5pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,418 | $4,404-45.1% | $6,281-61.5% | $4,299-43.8% |
| Admin fee / account holder | $6,041 | $7,156-15.6% | $10,424-42.0% | $6,924-12.8% |