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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 | $46,833 | $25,979+80.3% | $71,778-34.8% | $68,490-31.6% |
| Participation rate | 31.8% | 54.5%-22.7pp | 62.3%-30.5pp | 67.9%-36.1pp |
| Annual return | -22.32% | -15.10%-7.2pp | 9.15%-31.5pp | -7.85%-14.5pp |
| Employer contribution / active EE | $0 | $900-100.0% | $1,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,759 | $1,522+15.5% | $2,656-33.8% | $4,028-56.3% |
| Admin fee / account holder | $8,452 | $2,022+318.1% | $3,974+112.7% | $5,403+56.4% |