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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 | $36,811 | $67,411-45.4% | $91,004-59.6% | $70,126-47.5% |
| Participation rate | 43.8% | 71.4%-27.6pp | 75.6%-31.9pp | 69.5%-25.8pp |
| Annual return | 11.83% | -40.16%+52.0pp | 4.60%+7.2pp | 73.15%-61.3pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,721 | $2,823-39.0% | $3,548-51.5% | $3,332-48.4% |
| Admin fee / account holder | $2,828 | $4,236-33.2% | $5,417-47.8% | $4,645-39.1% |