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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 | $75,875 | $69,977+8.4% | $108,582-30.1% | $62,881+20.7% |
| Participation rate | 52.7% | 72.9%-20.2pp | 79.6%-26.8pp | 69.3%-16.6pp |
| Annual return | 4.45% | 10.73%-6.3pp | -51.70%+56.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,114 | $3,165+30.0% | $4,311-4.6% | $3,203+28.4% |
| Admin fee / account holder | $2,954 | $5,076-41.8% | $7,645-61.4% | $4,296-31.2% |