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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 | $16,309 | $57,590-71.7% | $86,233-81.1% | $82,448-80.2% |
| Participation rate | 22.6% | 57.9%-35.3pp | 69.0%-46.4pp | 68.1%-45.5pp |
| Annual return | 3.88% | 22.41%-18.5pp | 61.39%-57.5pp | 41.64%-37.8pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,445 | $3,080-53.1% | $4,559-68.3% | $4,139-65.1% |
| Admin fee / account holder | $6,612 | $4,730+39.8% | $8,342-20.7% | $7,234-8.6% |