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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 | $24,832 | $52,911-53.1% | $73,309-66.1% | $59,633-58.4% |
| Participation rate | 69.4% | 68.2%+1.1pp | 74.9%-5.6pp | 68.7%+0.7pp |
| Annual return | -3.07% | 12.20%-15.3pp | 5.67%-8.7pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,708 | $4,069-33.5% | $4,991-45.7% | $3,192-15.2% |
| Admin fee / account holder | $2,252 | $3,835-41.3% | $5,635-60.0% | $4,297-47.6% |