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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 | $18,328 | $64,719-71.7% | $112,249-83.7% | $68,486-73.2% |
| Participation rate | 29.6% | 67.2%-37.5pp | 75.1%-45.4pp | 67.9%-38.3pp |
| Annual return | -20.07% | -11.40%-8.7pp | 27.48%-47.6pp | -7.85%-12.2pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,856 | $3,565-47.9% | $4,729-60.8% | $4,028-53.9% |
| Admin fee / account holder | $366 | $5,232-93.0% | $6,412-94.3% | $5,404-93.2% |