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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 | $147,538 | $42,910+243.8% | $60,919+142.2% | $68,490+115.4% |
| Participation rate | 50.0% | 66.8%-16.8pp | 73.1%-23.1pp | 67.9%-17.9pp |
| Annual return | -28.19% | -13.99%-14.2pp | 16.96%-45.2pp | -7.85%-20.3pp |
| Employer contribution / active EE | $0 | $1,978-100.0% | $2,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,537 | $2,866-11.5% | $3,814-33.5% | $4,028-37.0% |
| Admin fee / account holder | $55,559 | $3,104+1689.6% | $3,228+1621.3% | $5,403+928.3% |