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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 | $36,069 | $83,337-56.7% | $67,834-46.8% | $273,972-86.8% |
| Participation rate | 69.2% | 76.4%-7.2pp | 68.8%+0.4pp | 83.0%-13.8pp |
| Annual return | 0.44% | 259.45%-259.0pp | 138.47%-138.0pp | 41.46%-41.0pp |
| Employer contribution / active EE | $0 | $3,287-100.0% | $2,403-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,139 | $4,088-72.1% | $3,160-64.0% | $5,287-78.5% |
| Admin fee / account holder | $356 | $6,752-94.7% | $4,622-92.3% | $10,133-96.5% |