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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 | $54,984 | $72,177-23.8% | $115,038-52.2% | $59,633-7.8% |
| Participation rate | 65.2% | 72.6%-7.3pp | 81.4%-16.1pp | 68.7%-3.5pp |
| Annual return | -3.77% | 12.02%-15.8pp | 26.14%-29.9pp | 2041.45%-2045.2pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,998 | $4,783-16.4% | $6,026-33.7% | $3,192+25.3% |
| Admin fee / account holder | $771 | $4,927-84.4% | $8,175-90.6% | $4,297-82.1% |