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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 | $31,539 | $86,949-63.7% | $102,460-69.2% | $80,959-61.0% |
| Participation rate | 26.4% | 72.4%-45.9pp | 76.5%-50.1pp | 67.7%-41.2pp |
| Annual return | 5.48% | 18.89%-13.4pp | 29.47%-24.0pp | 35.67%-30.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,942 | $4,121-52.9% | $5,056-61.6% | $4,300-54.8% |
| Admin fee / account holder | $3,823 | $8,048-52.5% | $9,460-59.6% | $6,925-44.8% |