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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 | $80,532 | $55,713+44.5% | $75,901+6.1% | $72,975+10.4% |
| Participation rate | 53.6% | 61.1%-7.6pp | 69.3%-15.7pp | 69.5%-15.9pp |
| Annual return | -0.67% | 27.60%-28.3pp | 30.76%-31.4pp | 81.01%-81.7pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,159 | $2,634-18.0% | $3,603-40.1% | $3,608-40.2% |
| Admin fee / account holder | $1,699 | $3,980-57.3% | $5,420-68.6% | $5,124-66.8% |