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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 | $46,029 | $58,587-21.4% | $83,322-44.8% | $64,173-28.3% |
| Participation rate | 61.5% | 72.0%-10.5pp | 77.8%-16.2pp | 69.6%-8.0pp |
| Annual return | -11.78% | 9.65%-21.4pp | 10.64%-22.4pp | 7.63%-19.4pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,592 | $4,654-1.4% | $5,565-17.5% | $3,470+32.3% |
| Admin fee / account holder | $1,448 | $9,279-84.4% | $7,540-80.8% | $4,887-70.4% |