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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 | $142,987 | $60,349+136.9% | $74,184+92.7% | $62,881+127.4% |
| Participation rate | 29.6% | 72.7%-43.1pp | 76.6%-47.0pp | 69.3%-39.7pp |
| Annual return | -1.25% | 21.38%-22.6pp | 17.74%-19.0pp | 20.14%-21.4pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,746 | $2,856-3.9% | $3,550-22.6% | $3,203-14.3% |
| Admin fee / account holder | $7,249 | $4,261+70.1% | $5,586+29.8% | $4,296+68.8% |