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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 | $38,940 | $51,638-24.6% | $68,368-43.0% | $82,448-52.8% |
| Participation rate | 21.4% | 63.6%-42.2pp | 73.8%-52.3pp | 68.1%-46.6pp |
| Annual return | 12.69% | 37.53%-24.8pp | 292.57%-279.9pp | 41.64%-29.0pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $558 | $2,914-80.8% | $4,123-86.5% | $4,139-86.5% |
| Admin fee / account holder | $5,641 | $4,643+21.5% | $5,150+9.5% | $7,234-22.0% |