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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 | $165,369 | $58,726+181.6% | $142,898+15.7% | $85,847+92.6% |
| Participation rate | 12.0% | 58.5%-46.5pp | 72.0%-60.0pp | 69.3%-57.3pp |
| Annual return | 3.38% | 27.73%-24.4pp | 5639.64%-5636.3pp | 318.61%-315.2pp |
| Employer contribution / active EE | $0 | $1,424-100.0% | $4,146-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,042 | $2,609-60.0% | $3,838-72.8% | $3,952-73.6% |
| Admin fee / account holder | $1,372 | $4,234-67.6% | $6,560-79.1% | $6,261-78.1% |