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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 | $40,176 | $56,063-28.3% | $76,051-47.2% | $80,911-50.3% |
| Participation rate | 48.9% | 62.0%-13.2pp | 69.1%-20.2pp | 67.6%-18.8pp |
| Annual return | 8.49% | 20.54%-12.1pp | 360.42%-351.9pp | 35.63%-27.1pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,889 | $3,052-38.1% | $4,257-55.6% | $4,297-56.0% |
| Admin fee / account holder | $3,938 | $5,240-24.8% | $6,416-38.6% | $6,935-43.2% |