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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 | $120,308 | $43,730+175.1% | $121,220-0.8% | $64,173+87.5% |
| Participation rate | 39.7% | 58.3%-18.7pp | 71.8%-32.1pp | 69.6%-29.9pp |
| Annual return | -8.29% | 68.94%-77.2pp | 16.94%-25.2pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,047 | $1,297-19.2% | $4,023-74.0% | $2,381-56.0% |
| Participant deferral / active EE | $1,606 | $2,281-29.6% | $3,345-52.0% | $3,470-53.7% |
| Admin fee / account holder | $6,452 | $3,502+84.2% | $5,021+28.5% | $4,887+32.0% |