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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 | $63,596 | $80,763-21.3% | $102,412-37.9% | $74,459-14.6% |
| Participation rate | 44.4% | 65.7%-21.2pp | 74.5%-30.1pp | 67.2%-22.8pp |
| Annual return | 9.47% | 27.57%-18.1pp | 24.94%-15.5pp | 1369.70%-1360.2pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,840 | $3,862-52.3% | $5,060-63.6% | $4,350-57.7% |
| Admin fee / account holder | $8,651 | $2,371+264.8% | $8,388+3.1% | $1,945+344.8% |