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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 | $36,051 | $69,977-48.5% | $108,582-66.8% | $62,881-42.7% |
| Participation rate | 43.2% | 72.9%-29.7pp | 79.6%-36.4pp | 69.3%-26.1pp |
| Annual return | 3.35% | 10.73%-7.4pp | -51.70%+55.0pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,620 | $3,165-17.2% | $4,311-39.2% | $3,203-18.2% |
| Admin fee / account holder | $1,003 | $5,076-80.3% | $7,645-86.9% | $4,296-76.7% |