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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 | $45,517 | $80,753-43.6% | $136,297-66.6% | $62,293-26.9% |
| Participation rate | 38.0% | 73.5%-35.5pp | 81.9%-43.9pp | 69.5%-31.5pp |
| Annual return | 14.61% | 35.83%-21.2pp | 5156.19%-5141.6pp | 28.90%-14.3pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $5,201 | $5,164+0.7% | $6,247-16.8% | $3,169+64.1% |
| Admin fee / account holder | $9,343 | $525+1678.2% | $9,244+1.1% | $479+1849.1% |