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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 | $40,594 | $63,809-36.4% | $81,353-50.1% | $80,935-49.8% |
| Participation rate | 32.3% | 63.9%-31.6pp | 69.5%-37.3pp | 67.7%-35.4pp |
| Annual return | 7.71% | 16.37%-8.7pp | 24.82%-17.1pp | 35.66%-27.9pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,266 | $3,093-26.7% | $3,885-41.7% | $4,299-47.3% |
| Admin fee / account holder | $1,503 | $5,686-73.6% | $5,766-73.9% | $6,924-78.3% |