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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 | $84,340 | $91,536-7.9% | $130,062-35.2% | $75,177+12.2% |
| Participation rate | 53.7% | 71.5%-17.8pp | 78.5%-24.8pp | 67.2%-13.5pp |
| Annual return | 10.80% | -631.62%+642.4pp | -137.37%+148.2pp | 160.75%-149.9pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,284 | $4,343-1.3% | $5,821-26.4% | $4,126+3.8% |
| Admin fee / account holder | $11,332 | $6,780+67.1% | $10,601+6.9% | $5,651+100.5% |