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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 | $46,925 | $78,428-40.2% | $95,960-51.1% | $79,852-41.2% |
| Participation rate | 51.7% | 73.5%-21.8pp | 77.1%-25.4pp | 69.6%-18.0pp |
| Annual return | 9.28% | 19.37%-10.1pp | 91.63%-82.4pp | 31.72%-22.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,895 | $3,440-44.9% | $4,167-54.5% | $3,740-49.3% |
| Admin fee / account holder | $12,562 | $5,622+123.4% | $6,797+84.8% | $5,306+136.7% |