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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 | $21,216 | $40,275-47.3% | $57,356-63.0% | $59,633-64.4% |
| Participation rate | 53.2% | 69.1%-16.0pp | 75.1%-21.9pp | 68.7%-15.5pp |
| Annual return | -3.35% | 27.52%-30.9pp | 24.41%-27.8pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $0 | $1,921-100.0% | $2,689-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,000 | $2,400-58.3% | $3,162-68.4% | $3,192-68.7% |
| Admin fee / account holder | $457 | $2,820-83.8% | $3,357-86.4% | $4,297-89.4% |