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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 | $28,421 | $48,576-41.5% | $169,452-83.2% | $56,287-49.5% |
| Participation rate | 37.3% | 65.8%-28.6pp | 77.8%-40.5pp | 69.9%-32.6pp |
| Annual return | -8.09% | -2.51%-5.6pp | 1.83%-9.9pp | -9.96%+1.9pp |
| Employer contribution / active EE | $0 | $1,559-100.0% | $4,157-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,715 | $3,275-17.1% | $5,277-48.6% | $3,350-19.0% |
| Admin fee / account holder | $1,752 | $435+302.6% | $9,110-80.8% | $521+236.2% |