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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 | $120,420 | $72,177+66.8% | $115,038+4.7% | $59,633+101.9% |
| Participation rate | 22.2% | 72.6%-50.3pp | 81.4%-59.1pp | 68.7%-46.4pp |
| Annual return | -4.23% | 12.02%-16.3pp | 26.14%-30.4pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,466 | $4,783-48.4% | $6,026-59.1% | $3,192-22.7% |
| Admin fee / account holder | $3,040 | $4,927-38.3% | $8,175-62.8% | $4,297-29.3% |