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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 | $40,016 | $62,586-36.1% | $76,766-47.9% | $64,181-37.7% |
| Participation rate | 37.3% | 72.8%-35.5pp | 77.0%-39.7pp | 69.6%-32.3pp |
| Annual return | -7.65% | -1.95%-5.7pp | 2.43%-10.1pp | 7.63%-15.3pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,294 | $3,145+36.5% | $3,851+11.5% | $3,470+23.8% |
| Admin fee / account holder | $2,836 | $4,667-39.2% | $6,675-57.5% | $4,887-42.0% |