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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 | $68,355 | $39,132+74.7% | $57,196+19.5% | $62,881+8.7% |
| Participation rate | 37.9% | 70.5%-32.5pp | 75.3%-37.4pp | 69.3%-31.4pp |
| Annual return | -0.08% | 9.24%-9.3pp | 14.59%-14.7pp | 20.14%-20.2pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,724 | $2,374-27.4% | $3,096-44.3% | $3,203-46.2% |
| Admin fee / account holder | $964 | $2,594-62.9% | $3,141-69.3% | $4,296-77.6% |