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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 | $41,041 | $39,162+4.8% | $100,671-59.2% | $59,633-31.2% |
| Participation rate | 14.3% | 55.9%-41.6pp | 70.7%-56.4pp | 68.7%-54.4pp |
| Annual return | -4.92% | 21.07%-26.0pp | 20.43%-25.3pp | 2041.40%-2046.3pp |
| Employer contribution / active EE | $0 | $1,151-100.0% | $4,012-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $811 | $1,992-59.3% | $3,144-74.2% | $3,192-74.6% |
| Admin fee / account holder | $1,235 | $2,969-58.4% | $4,850-74.5% | $4,297-71.3% |