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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 | $29,361 | $44,425-33.9% | $67,834-56.7% | $55,167-46.8% |
| Participation rate | 21.2% | 59.7%-38.5pp | 68.8%-47.6pp | 69.0%-47.8pp |
| Annual return | 4.09% | 17.80%-13.7pp | 138.47%-134.4pp | 169.23%-165.1pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,403-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $816 | $2,166-62.3% | $3,160-74.2% | $3,054-73.3% |
| Admin fee / account holder | $774 | $530+45.9% | $4,622-83.3% | $504+53.6% |