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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 | $41,181 | $78,690-47.7% | $161,489-74.5% | $87,485-52.9% |
| Participation rate | 51.4% | 67.5%-16.1pp | 78.7%-27.3pp | 68.9%-17.6pp |
| Annual return | 9.56% | 32.74%-23.2pp | 89.72%-80.2pp | 26.06%-16.5pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,623 | $3,311+9.4% | $5,630-35.6% | $4,274-15.2% |
| Admin fee / account holder | $16,305 | $6,724+142.5% | $16,006+1.9% | $7,775+109.7% |