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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 | $35,242 | $41,016-14.1% | $152,093-76.8% | $64,097-45.0% |
| Participation rate | 46.4% | 51.3%-4.9pp | 77.8%-31.3pp | 55.2%-8.7pp |
| Annual return | 10.86% | 39.60%-28.7pp | 66.36%-55.5pp | 34.64%-23.8pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,411 | $1,927-26.8% | $5,451-74.1% | $3,080-54.2% |
| Admin fee / account holder | $5,836 | $2,305+153.2% | $14,497-59.7% | $3,454+69.0% |