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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 | $33,286 | $78,690-57.7% | $161,489-79.4% | $87,485-62.0% |
| Participation rate | 29.0% | 67.5%-38.4pp | 78.7%-49.7pp | 68.9%-39.9pp |
| Annual return | 11.43% | 32.74%-21.3pp | 89.72%-78.3pp | 26.06%-14.6pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,326 | $3,311-29.7% | $5,630-58.7% | $4,274-45.6% |
| Admin fee / account holder | $8,543 | $6,724+27.1% | $16,006-46.6% | $7,775+9.9% |