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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 | $12,070 | $77,920-84.5% | $149,723-91.9% | $75,177-83.9% |
| Participation rate | 51.9% | 65.6%-13.7pp | 78.8%-26.9pp | 67.2%-15.4pp |
| Annual return | 9.58% | 31.72%-22.1pp | 134.50%-124.9pp | 160.75%-151.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,001 | $3,411-70.6% | $5,682-82.4% | $4,126-75.7% |
| Admin fee / account holder | $521 | $5,951-91.2% | $13,215-96.1% | $5,651-90.8% |