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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 | $46,037 | $70,666-34.9% | $169,385-72.8% | $75,181-38.8% |
| Participation rate | 41.2% | 64.8%-23.6pp | 77.2%-36.0pp | 67.2%-26.0pp |
| Annual return | 13.75% | 36.37%-22.6pp | 405.82%-392.1pp | 160.69%-146.9pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,999 | $4,308-53.6% | $6,221-67.9% | $4,126-51.5% |
| Admin fee / account holder | $4,324 | $5,402-20.0% | $9,011-52.0% | $5,650-23.5% |