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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 | $93,572 | $185,141-49.5% | $153,416-39.0% | $155,188-39.7% |
| Participation rate | 36.4% | 79.9%-43.6pp | 74.3%-38.0pp | 80.8%-44.4pp |
| Annual return | -2.99% | 18.72%-21.7pp | 17.84%-20.8pp | 148.84%-151.8pp |
| Employer contribution / active EE | $0 | $4,489-100.0% | $3,764-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,871 | $5,477-47.6% | $4,723-39.2% | $6,531-56.0% |
| Admin fee / account holder | $942 | $16,005-94.1% | $13,095-92.8% | $14,480-93.5% |