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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 | $61,789-26.1% | $97,167-53.0% | $80,874-43.6% |
| Participation rate | 44.8% | 63.5%-18.7pp | 72.7%-27.9pp | 67.6%-22.8pp |
| Annual return | 8.20% | -557.90%+566.1pp | 75.27%-67.1pp | 35.62%-27.4pp |
| Employer contribution / active EE | $0 | $1,837-100.0% | $2,729-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,301 | $3,028+9.0% | $4,264-22.6% | $4,297-23.2% |
| Admin fee / account holder | $6,675 | $5,168+29.1% | $5,650+18.1% | $6,935-3.8% |