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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 | $123,987 | $73,863+67.9% | $143,797-13.8% | $68,490+81.0% |
| Participation rate | 47.9% | 66.7%-18.7pp | 80.3%-32.4pp | 67.9%-20.0pp |
| Annual return | -20.47% | 0.91%-21.4pp | -0.04%-20.4pp | -7.85%-12.6pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,659 | $3,385+8.1% | $5,638-35.1% | $4,028-9.1% |
| Admin fee / account holder | $2,598 | $5,756-54.9% | $14,679-82.3% | $5,403-51.9% |