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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 | $35,356 | $48,078-26.5% | $78,676-55.1% | $62,881-43.8% |
| Participation rate | 39.0% | 65.2%-26.2pp | 73.6%-34.5pp | 69.3%-30.3pp |
| Annual return | -10.54% | 31.36%-41.9pp | 62.19%-72.7pp | 20.14%-30.7pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,087 | $2,587-19.3% | $3,517-40.7% | $3,203-34.9% |
| Admin fee / account holder | $16,889 | $3,206+426.8% | $4,510+274.5% | $4,296+293.1% |