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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 | $45,105 | $42,772+5.5% | $87,502-48.5% | $55,167-18.2% |
| Participation rate | 17.4% | 66.5%-49.1pp | 73.8%-56.4pp | 69.0%-51.6pp |
| Annual return | 5.02% | 21.20%-16.2pp | 12.21%-7.2pp | 169.23%-164.2pp |
| Employer contribution / active EE | $0 | $1,277-100.0% | $2,550-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,378 | $2,342-41.2% | $3,149-56.2% | $3,054-54.9% |
| Admin fee / account holder | $1,120 | $461+142.8% | $4,221-73.5% | $504+122.2% |