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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 | $47,512 | $52,581-9.6% | $130,788-63.7% | $64,340-26.2% |
| Participation rate | 12.9% | 46.5%-33.6pp | 70.1%-57.2pp | 55.2%-42.3pp |
| Annual return | 11.08% | 20.39%-9.3pp | 386.44%-375.4pp | 24.14%-13.1pp |
| Employer contribution / active EE | $0 | $1,031-100.0% | $3,558-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $756 | $2,200-65.7% | $4,137-81.7% | $2,980-74.6% |
| Admin fee / account holder | $5,938 | $4,583+29.6% | $6,673-11.0% | $3,703+60.4% |