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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 | $87,066 | $75,959+14.6% | $154,114-43.5% | $64,181+35.7% |
| Participation rate | 59.6% | 70.4%-10.8pp | 83.0%-23.4pp | 69.6%-9.9pp |
| Annual return | -8.11% | 30.32%-38.4pp | 735.16%-743.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,706 | $3,175+16.7% | $5,081-27.0% | $3,470+6.8% |
| Admin fee / account holder | $1,579 | $5,589-71.8% | $13,411-88.2% | $4,887-67.7% |