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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 | $47,669 | $49,976-4.6% | $66,674-28.5% | $82,637-42.3% |
| Participation rate | 15.6% | 63.1%-47.5pp | 73.7%-58.1pp | 68.1%-52.5pp |
| Annual return | 11.17% | 39.09%-27.9pp | 321.24%-310.1pp | 53.51%-42.3pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $644 | $2,847-77.4% | $4,084-84.2% | $4,126-84.4% |
| Admin fee / account holder | $6,301 | $4,594+37.2% | $5,098+23.6% | $7,339-14.1% |