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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 | $23,863 | $71,230-66.5% | $93,727-74.5% | $80,959-70.5% |
| Participation rate | 68.9% | 60.4%+8.5pp | 68.7%+0.1pp | 67.7%+1.2pp |
| Annual return | 7.49% | 11.26%-3.8pp | 133.83%-126.3pp | 35.67%-28.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,424 | $4,037-15.2% | $4,417-22.5% | $4,300-20.4% |
| Admin fee / account holder | $7,100 | $6,961+2.0% | $8,292-14.4% | $6,925+2.5% |