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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 | $76,314 | $88,707-14.0% | $74,184+2.9% | $273,972-72.1% |
| Participation rate | 42.9% | 79.4%-36.6pp | 76.6%-33.8pp | 83.0%-40.2pp |
| Annual return | -4.38% | 11.94%-16.3pp | 17.74%-22.1pp | 41.46%-45.8pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $2,370-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,173 | $4,212-48.4% | $3,550-38.8% | $5,287-58.9% |
| Admin fee / account holder | $2,112 | $8,717-75.8% | $5,586-62.2% | $10,133-79.2% |