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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 | $43,232 | $65,364-33.9% | $92,909-53.5% | $72,975-40.8% |
| Participation rate | 30.6% | 68.3%-37.7pp | 76.0%-45.4pp | 69.5%-38.9pp |
| Annual return | 3.25% | 42.11%-38.9pp | 109.44%-106.2pp | 81.01%-77.8pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,398 | $3,128-55.3% | $4,238-67.0% | $3,608-61.3% |
| Admin fee / account holder | $2,258 | $4,251-46.9% | $5,795-61.0% | $5,124-55.9% |