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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 | $65,338 | $69,977-6.6% | $108,582-39.8% | $62,881+3.9% |
| Participation rate | 37.7% | 72.9%-35.2pp | 79.6%-41.9pp | 69.3%-31.6pp |
| Annual return | 1.13% | 10.73%-9.6pp | -51.70%+52.8pp | 20.14%-19.0pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,994 | $3,165-5.4% | $4,311-30.6% | $3,203-6.5% |
| Admin fee / account holder | $310 | $5,076-93.9% | $7,645-95.9% | $4,296-92.8% |