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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 | $137,212 | $82,678+66.0% | $125,391+9.4% | $68,490+100.3% |
| Participation rate | 45.0% | 75.1%-30.1pp | 82.4%-37.4pp | 67.9%-22.9pp |
| Annual return | -21.28% | -5.97%-15.3pp | 572.41%-593.7pp | -7.85%-13.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,650 | $6,111-56.6% | $7,448-64.4% | $4,028-34.2% |
| Admin fee / account holder | $829 | $6,277-86.8% | $10,009-91.7% | $5,403-84.7% |