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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 | $64,542 | $58,714+9.9% | $142,874-54.8% | $85,856-24.8% |
| Participation rate | 21.4% | 58.5%-37.1pp | 72.0%-50.5pp | 69.3%-47.9pp |
| Annual return | 4.14% | 27.73%-23.6pp | 5638.58%-5634.4pp | 318.58%-314.4pp |
| Employer contribution / active EE | $0 | $1,423-100.0% | $4,145-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,080 | $2,608-58.6% | $3,838-71.9% | $3,952-72.7% |
| Admin fee / account holder | $1,543 | $4,241-63.6% | $6,561-76.5% | $6,261-75.4% |