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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 | $42,157 | $58,587-28.0% | $83,322-49.4% | $64,173-34.3% |
| Participation rate | 55.8% | 72.0%-16.3pp | 77.8%-22.0pp | 69.6%-13.8pp |
| Annual return | -8.26% | 9.65%-17.9pp | 10.64%-18.9pp | 7.63%-15.9pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,537 | $4,654-2.5% | $5,565-18.5% | $3,470+30.8% |
| Admin fee / account holder | $5,077 | $9,279-45.3% | $7,540-32.7% | $4,887+3.9% |