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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 | $43,007 | $39,028+10.2% | $80,741-46.7% | $85,847-49.9% |
| Participation rate | 34.9% | 41.6%-6.6pp | 54.2%-19.2pp | 69.3%-34.4pp |
| Annual return | 11.36% | 26.31%-14.9pp | 87.30%-75.9pp | 318.61%-307.2pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $814 | $1,326-38.6% | $2,145-62.0% | $3,952-79.4% |
| Admin fee / account holder | $2,912 | $2,429+19.9% | $3,380-13.9% | $6,261-53.5% |