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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 | $60,317 | $69,977-13.8% | $108,582-44.4% | $62,881-4.1% |
| Participation rate | 35.0% | 72.9%-37.9pp | 79.6%-44.6pp | 69.3%-34.3pp |
| Annual return | 4.42% | 10.73%-6.3pp | -51.70%+56.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,063 | $3,165-34.8% | $4,311-52.1% | $3,203-35.6% |
| Admin fee / account holder | $13,485 | $5,076+165.6% | $7,645+76.4% | $4,296+213.9% |