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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 | $79,090 | $60,442+30.9% | $96,754-18.3% | $87,485-9.6% |
| Participation rate | 19.4% | 58.7%-39.4pp | 70.3%-50.9pp | 68.9%-49.6pp |
| Annual return | 8.62% | 21.97%-13.4pp | 82.04%-73.4pp | 26.06%-17.4pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,288 | $3,280-60.7% | $4,758-72.9% | $4,274-69.9% |
| Admin fee / account holder | $302 | $5,069-94.0% | $8,905-96.6% | $7,775-96.1% |