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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 | $197,474 | $133,998+47.4% | $112,263+75.9% | $134,545+46.8% |
| Participation rate | 69.6% | 78.6%-9.0pp | 75.1%-5.5pp | 81.2%-11.7pp |
| Annual return | -25.31% | 47.17%-72.5pp | 27.49%-52.8pp | 418.37%-443.7pp |
| Employer contribution / active EE | $4,461 | $4,040+10.4% | $3,636+22.7% | $4,742-5.9% |
| Participant deferral / active EE | $6,983 | $5,292+32.0% | $4,729+47.7% | $6,401+9.1% |
| Admin fee / account holder | $1,791 | $7,493-76.1% | $6,410-72.1% | $11,431-84.3% |