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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 | $63,130 | $72,177-12.5% | $115,038-45.1% | $59,633+5.9% |
| Participation rate | 55.6% | 72.6%-17.0pp | 81.4%-25.8pp | 68.7%-13.1pp |
| Annual return | -2.46% | 12.02%-14.5pp | 26.14%-28.6pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,457 | $4,783+35.0% | $6,026+7.1% | $3,192+102.3% |
| Admin fee / account holder | $1,298 | $4,927-73.7% | $8,175-84.1% | $4,297-69.8% |