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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 | $95,954 | $113,941-15.8% | $94,229+1.8% | $125,389-23.5% |
| Participation rate | 50.0% | 82.9%-32.9pp | 78.8%-28.8pp | 83.2%-33.2pp |
| Annual return | -7.20% | 5.29%-12.5pp | 10.68%-17.9pp | 282.24%-289.4pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $10,846 | $5,179+109.4% | $4,320+151.0% | $5,352+102.7% |
| Admin fee / account holder | $8,318 | $8,392-0.9% | $6,269+32.7% | $9,541-12.8% |