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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 | $60,289 | $89,259-32.5% | $107,187-43.8% | $82,637-27.0% |
| Participation rate | 37.1% | 67.9%-30.8pp | 75.0%-37.9pp | 68.1%-30.9pp |
| Annual return | 11.51% | 21.02%-9.5pp | 204.55%-193.0pp | 53.51%-42.0pp |
| Employer contribution / active EE | $2,636 | $3,080-14.4% | $3,782-30.3% | $2,552+3.3% |
| Participant deferral / active EE | $0 | $4,037-100.0% | $5,096-100.0% | $4,126-100.0% |
| Admin fee / account holder | $1,507 | $7,381-79.6% | $9,162-83.6% | $7,339-79.5% |