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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 | $34,416 | $48,053-28.4% | $84,637-59.3% | $72,976-52.8% |
| Participation rate | 46.2% | 57.6%-11.4pp | 68.2%-22.1pp | 69.5%-23.3pp |
| Annual return | 14.57% | 37.39%-22.8pp | 258.82%-244.3pp | 81.02%-66.4pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,023 | $2,681-61.8% | $3,900-73.8% | $3,608-71.6% |
| Admin fee / account holder | $4,859 | $3,395+43.1% | $4,914-1.1% | $5,124-5.2% |