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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 | $39,949 | $58,828-32.1% | $78,002-48.8% | $62,881-36.5% |
| Participation rate | 52.9% | 71.1%-18.2pp | 75.5%-22.7pp | 69.3%-16.4pp |
| Annual return | -2.84% | 17.16%-20.0pp | 425.99%-428.8pp | 20.14%-23.0pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,057 | $2,686-23.4% | $3,497-41.2% | $3,203-35.8% |
| Admin fee / account holder | $611 | $4,393-86.1% | $5,481-88.8% | $4,296-85.8% |