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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 | $18,824 | $22,602-16.7% | $65,583-71.3% | $75,177-75.0% |
| Participation rate | 45.0% | 63.1%-18.1pp | 65.0%-20.0pp | 67.2%-22.2pp |
| Annual return | 15.38% | 71.13%-55.8pp | 47.46%-32.1pp | 160.75%-145.4pp |
| Employer contribution / active EE | $0 | $941-100.0% | $1,692-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,948 | $1,695+14.9% | $2,833-31.2% | $4,126-52.8% |
| Admin fee / account holder | $687 | $1,877-63.4% | $4,112-83.3% | $5,651-87.8% |