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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 | $79,863 | $81,870-2.5% | $119,634-33.2% | $68,490+16.6% |
| Participation rate | 38.1% | 71.9%-33.8pp | 79.3%-41.2pp | 67.9%-29.8pp |
| Annual return | -20.62% | -23.82%+3.2pp | -14.98%-5.6pp | -7.85%-12.8pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,477 | $4,148-16.2% | $5,601-37.9% | $4,028-13.7% |
| Admin fee / account holder | $9,284 | $6,583+41.0% | $10,329-10.1% | $5,403+71.8% |