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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 | $28,930 | $76,551-62.2% | $123,894-76.6% | $62,881-54.0% |
| Participation rate | 53.8% | 73.0%-19.1pp | 81.4%-27.6pp | 69.3%-15.5pp |
| Annual return | -1.50% | 18.68%-20.2pp | 47.52%-49.0pp | 20.14%-21.6pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,010 | $4,840-17.1% | $5,984-33.0% | $3,203+25.2% |
| Admin fee / account holder | $2,332 | $4,826-51.7% | $8,357-72.1% | $4,296-45.7% |