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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 | $42,394 | $78,027-45.7% | $178,528-76.3% | $80,925-47.6% |
| Participation rate | 39.4% | 65.7%-26.3pp | 77.1%-37.7pp | 67.7%-28.3pp |
| Annual return | 10.40% | 18.09%-7.7pp | 27.11%-16.7pp | 35.65%-25.3pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,797 | $4,408-59.2% | $6,278-71.4% | $4,299-58.2% |
| Admin fee / account holder | $1,191 | $7,168-83.4% | $10,419-88.6% | $6,940-82.8% |