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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 | $73,980 | $39,132+89.1% | $57,196+29.3% | $62,881+17.7% |
| Participation rate | 36.7% | 70.5%-33.8pp | 75.3%-38.7pp | 69.3%-32.6pp |
| Annual return | -2.98% | 9.24%-12.2pp | 14.59%-17.6pp | 20.14%-23.1pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,975 | $2,374-16.8% | $3,096-36.2% | $3,203-38.4% |
| Admin fee / account holder | $3,855 | $2,594+48.6% | $3,141+22.7% | $4,296-10.3% |