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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 | $40,615 | $132,310-69.3% | $105,754-61.6% | $273,972-85.2% |
| Participation rate | 40.0% | 83.2%-43.2pp | 78.9%-38.9pp | 83.0%-43.0pp |
| Annual return | -3.09% | 10.08%-13.2pp | 12.25%-15.3pp | 41.46%-44.5pp |
| Employer contribution / active EE | $0 | $4,867-100.0% | $4,079-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,454 | $6,233-60.6% | $5,326-53.9% | $5,287-53.6% |
| Admin fee / account holder | $1,151 | $12,036-90.4% | $8,309-86.2% | $10,133-88.6% |