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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 | $32,279 | $51,769-37.6% | $57,356-43.7% | $52,331-38.3% |
| Participation rate | 21.0% | 75.2%-54.3pp | 75.1%-54.1pp | 68.1%-47.1pp |
| Annual return | -1.65% | 2.43%-4.1pp | 24.41%-26.1pp | 4.54%-6.2pp |
| Employer contribution / active EE | $0 | $2,335-100.0% | $2,689-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,141 | $2,794-59.1% | $3,162-63.9% | $3,022-62.2% |
| Admin fee / account holder | $2,251 | $295+663.7% | $3,357-32.9% | $592+280.5% |