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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 | $91,200 | $73,981+23.3% | $105,754-13.8% | $62,881+45.0% |
| Participation rate | 43.3% | 71.7%-28.4pp | 78.9%-35.6pp | 69.3%-26.0pp |
| Annual return | -3.10% | 17.60%-20.7pp | 12.25%-15.4pp | 20.14%-23.2pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,079-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,933 | $4,038-52.1% | $5,326-63.7% | $3,203-39.7% |
| Admin fee / account holder | $23,348 | $5,976+290.7% | $8,309+181.0% | $4,296+443.5% |