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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 | $63,049 | $65,704-4.0% | $94,229-33.1% | $59,633+5.7% |
| Participation rate | 47.4% | 72.1%-24.8pp | 78.8%-31.4pp | 68.7%-21.3pp |
| Annual return | -3.02% | 5.22%-8.2pp | 10.68%-13.7pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,194 | $3,143+1.6% | $4,320-26.1% | $3,192+0.1% |
| Admin fee / account holder | $4,185 | $4,265-1.9% | $6,269-33.2% | $4,297-2.6% |