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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 | $36,866 | $59,813-38.4% | $79,580-53.7% | $68,486-46.2% |
| Participation rate | 64.1% | 61.1%+3.0pp | 69.5%-5.4pp | 67.9%-3.8pp |
| Annual return | -19.53% | -12.30%-7.2pp | 0.15%-19.7pp | -7.85%-11.7pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,545 | $3,024-48.9% | $3,985-61.2% | $4,028-61.6% |
| Admin fee / account holder | $3,262 | $4,835-32.5% | $6,835-52.3% | $5,404-39.6% |