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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 | $60,128 | $48,364+24.3% | $71,796-16.3% | $62,881-4.4% |
| Participation rate | 41.4% | 60.6%-19.2pp | 69.1%-27.7pp | 69.3%-27.9pp |
| Annual return | 4.50% | 13.16%-8.7pp | 78.04%-73.5pp | 20.14%-15.6pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,209 | $2,091+5.6% | $2,794-21.0% | $3,203-31.0% |
| Admin fee / account holder | $7,212 | $3,771+91.2% | $4,815+49.8% | $4,296+67.9% |