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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 | $62,018 | $72,177-14.1% | $115,037-46.1% | $59,633+4.0% |
| Participation rate | 55.9% | 72.6%-16.7pp | 81.4%-25.5pp | 68.7%-12.8pp |
| Annual return | -2.51% | 12.02%-14.5pp | 26.14%-28.6pp | 2041.40%-2043.9pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,753 | $4,783-21.5% | $6,026-37.7% | $3,192+17.6% |
| Admin fee / account holder | $3,199 | $4,927-35.1% | $8,175-60.9% | $4,297-25.5% |