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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 | $46,196 | $72,177-36.0% | $115,038-59.8% | $59,633-22.5% |
| Participation rate | 44.0% | 72.6%-28.6pp | 81.4%-37.4pp | 68.7%-24.7pp |
| Annual return | -2.54% | 12.02%-14.6pp | 26.14%-28.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $7,628 | $4,783+59.5% | $6,026+26.6% | $3,192+139.0% |
| Admin fee / account holder | $4,248 | $4,927-13.8% | $8,175-48.0% | $4,297-1.1% |