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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 | $40,806 | $48,364-15.6% | $71,796-43.2% | $62,881-35.1% |
| Participation rate | 28.3% | 60.6%-32.4pp | 69.1%-40.9pp | 69.3%-41.0pp |
| Annual return | 0.86% | 13.16%-12.3pp | 78.04%-77.2pp | 20.14%-19.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,030 | $2,091-50.7% | $2,794-63.1% | $3,203-67.8% |
| Admin fee / account holder | $3,769 | $3,771-0.1% | $4,815-21.7% | $4,296-12.3% |