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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 | $38,082 | $52,580-27.6% | $71,671-46.9% | $70,126-45.7% |
| Participation rate | 62.5% | 60.9%+1.6pp | 68.7%-6.2pp | 69.5%-7.0pp |
| Annual return | -18.39% | 20.25%-38.6pp | 20.65%-39.0pp | 73.15%-91.5pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $13,726 | $2,386+475.3% | $3,438+299.3% | $3,332+312.0% |
| Admin fee / account holder | $3,158 | $3,653-13.5% | $5,558-43.2% | $4,645-32.0% |