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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 | $63,615 | $117,829-46.0% | $102,423-37.9% | $145,877-56.4% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | -0.12% | 31.83%-32.0pp | 29.42%-29.5pp | 551.28%-551.4pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $12,000 | $5,732+109.3% | $5,054+137.4% | $6,691+79.4% |
| Admin fee / account holder | $4,633 | $13,335-65.3% | $9,455-51.0% | $13,402-65.4% |