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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 | $45,638 | $61,815-26.2% | $97,295-53.1% | $80,959-43.6% |
| Participation rate | 44.8% | 63.5%-18.7pp | 72.7%-27.8pp | 67.7%-22.8pp |
| Annual return | 8.20% | -558.73%+566.9pp | 75.62%-67.4pp | 35.67%-27.5pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $2,723-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,301 | $3,027+9.1% | $4,264-22.6% | $4,300-23.2% |
| Admin fee / account holder | $6,675 | $5,166+29.2% | $5,646+18.2% | $6,925-3.6% |