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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 | $109,163 | $81,870+33.3% | $119,608-8.7% | $68,495+59.4% |
| Participation rate | 69.7% | 71.9%-2.2pp | 79.3%-9.6pp | 67.9%+1.8pp |
| Annual return | -21.47% | -23.82%+2.3pp | -14.98%-6.5pp | -7.84%-13.6pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,991 | $4,148-52.0% | $5,601-64.5% | $4,028-50.6% |
| Admin fee / account holder | $933 | $6,583-85.8% | $10,326-91.0% | $5,403-82.7% |