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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 | $96,296 | $71,878+34.0% | $86,698+11.1% | $68,486+40.6% |
| Participation rate | 46.4% | 72.2%-25.8pp | 76.6%-30.2pp | 67.9%-21.5pp |
| Annual return | -19.81% | 3.53%-23.3pp | 35.95%-55.8pp | -7.85%-12.0pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,374 | $3,779-37.2% | $4,656-49.0% | $4,028-41.1% |
| Admin fee / account holder | $473 | $6,113-92.3% | $7,493-93.7% | $5,404-91.2% |