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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 | $242,192 | $124,330+94.8% | $109,173+121.8% | $167,536+44.6% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | -0.18% | 26.04%-26.2pp | 25.75%-25.9pp | 478.82%-479.0pp |
| Employer contribution / active EE | $4,570 | $4,209+8.6% | $3,723+22.7% | $4,839-5.6% |
| Participant deferral / active EE | $10,289 | $5,256+95.7% | $4,654+121.1% | $6,342+62.2% |
| Admin fee / account holder | $4,910 | $7,974-38.4% | $6,755-27.3% | $12,315-60.1% |