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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 | $35,636 | $50,947-30.1% | $74,549-52.2% | $64,173-44.5% |
| Participation rate | 46.3% | 61.1%-14.7pp | 69.1%-22.8pp | 69.6%-23.2pp |
| Annual return | -8.41% | -1.85%-6.6pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,525 | $2,302-33.7% | $3,108-50.9% | $3,470-56.0% |
| Admin fee / account holder | $1,399 | $4,221-66.9% | $5,059-72.4% | $4,887-71.4% |