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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 | $39,964 | $93,617-57.3% | $135,982-70.6% | $75,177-46.8% |
| Participation rate | 66.1% | 75.2%-9.1pp | 81.9%-15.8pp | 67.2%-1.1pp |
| Annual return | -8.29% | 30.89%-39.2pp | 68.32%-76.6pp | 160.75%-169.0pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $12,322 | $6,406+92.3% | $7,760+58.8% | $4,126+198.6% |
| Admin fee / account holder | $2,790 | $6,980-60.0% | $10,767-74.1% | $5,651-50.6% |