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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 | $28,403 | $72,273-60.7% | $101,275-72.0% | $79,856-64.4% |
| Participation rate | 43.6% | 68.5%-24.9pp | 75.8%-32.2pp | 69.6%-26.1pp |
| Annual return | -19.19% | 22.30%-41.5pp | 46.48%-65.7pp | 31.71%-50.9pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,154 | $3,282-3.9% | $4,371-27.8% | $3,741-15.7% |
| Admin fee / account holder | $1,593 | $4,401-63.8% | $5,948-73.2% | $5,306-70.0% |