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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 | $58,074 | $103,392-43.8% | $87,104-33.3% | $152,897-62.0% |
| Participation rate | 40.9% | 79.4%-38.4pp | 76.9%-36.0pp | 82.5%-41.5pp |
| Annual return | 3.81% | 28.10%-24.3pp | 28.19%-24.4pp | 345.43%-341.6pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,297 | $4,778-51.9% | $4,048-43.3% | $5,851-60.7% |
| Admin fee / account holder | $1,891 | $12,194-84.5% | $7,491-74.8% | $11,599-83.7% |