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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 | $38,774 | $46,534-16.7% | $64,097-39.5% | $75,177-48.4% |
| Participation rate | 11.6% | 65.9%-54.4pp | 72.3%-60.7pp | 67.2%-55.6pp |
| Annual return | 9.91% | 26.07%-16.2pp | 33.75%-23.8pp | 160.75%-150.8pp |
| Employer contribution / active EE | $0 | $1,976-100.0% | $2,750-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,240 | $2,835-56.2% | $3,881-68.0% | $4,126-69.9% |
| Admin fee / account holder | $448 | $2,957-84.8% | $3,070-85.4% | $5,651-92.1% |