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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 | $51,181 | $56,484-9.4% | $169,452-69.8% | $64,173-20.2% |
| Participation rate | 41.7% | 64.5%-22.9pp | 77.8%-36.1pp | 69.6%-27.9pp |
| Annual return | -9.67% | -1.55%-8.1pp | 1.83%-11.5pp | 7.63%-17.3pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $5,345 | $3,448+55.0% | $5,277+1.3% | $3,470+54.0% |
| Admin fee / account holder | $5,470 | $4,174+31.1% | $9,110-40.0% | $4,887+11.9% |