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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 | $48,276 | $52,678-8.4% | $75,784-36.3% | $59,633-19.0% |
| Participation rate | 29.4% | 67.2%-37.8pp | 75.8%-46.4pp | 68.7%-39.3pp |
| Annual return | -3.49% | 2.95%-6.4pp | 9.68%-13.2pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,343 | $2,591-48.1% | $3,652-63.2% | $3,192-57.9% |
| Admin fee / account holder | $2,259 | $3,610-37.4% | $5,300-57.4% | $4,297-47.4% |