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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 | $41,167 | $88,360-53.4% | $145,433-71.7% | $67,986-39.4% |
| Participation rate | 15.8% | 65.5%-49.7pp | 82.1%-66.3pp | 57.2%-41.4pp |
| Annual return | 11.78% | 63.15%-51.4pp | 66.58%-54.8pp | 31.67%-19.9pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,704 | $5,932-71.3% | $7,897-78.4% | $3,358-49.3% |
| Admin fee / account holder | $4,400 | $3,313+32.8% | $13,129-66.5% | $3,203+37.4% |