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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 | $226,348 | $59,819+278.4% | $79,583+184.4% | $68,490+230.5% |
| Participation rate | 38.5% | 61.1%-22.6pp | 69.5%-31.0pp | 67.9%-29.4pp |
| Annual return | -20.90% | -12.30%-8.6pp | 0.16%-21.1pp | -7.85%-13.0pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,035 | $3,025+0.3% | $3,986-23.9% | $4,028-24.7% |
| Admin fee / account holder | $10,520 | $4,835+117.6% | $6,835+53.9% | $5,403+94.7% |