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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 | $39,106 | $59,448-34.2% | $93,696-58.3% | $74,459-47.5% |
| Participation rate | 47.3% | 59.6%-12.4pp | 68.7%-21.5pp | 67.2%-20.0pp |
| Annual return | 9.42% | 82.11%-72.7pp | 133.74%-124.3pp | 1369.70%-1360.3pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,422-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,378 | $3,052-22.1% | $4,417-46.2% | $4,350-45.3% |
| Admin fee / account holder | $9,420 | $3,027+211.2% | $8,287+13.7% | $1,945+384.4% |