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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 | $30,167 | $37,156-18.8% | $83,854-64.0% | $86,983-65.3% |
| Participation rate | 31.7% | 49.1%-17.4pp | 59.1%-27.4pp | 69.5%-37.9pp |
| Annual return | 12.48% | 29.88%-17.4pp | 31.39%-18.9pp | 25.83%-13.3pp |
| Employer contribution / active EE | $0 | $661-100.0% | $1,017-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,647 | $1,418+16.1% | $2,035-19.1% | $4,194-60.7% |
| Admin fee / account holder | $1,150 | $2,510-54.2% | $3,197-64.0% | $7,856-85.4% |