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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 | $130,297 | $95,915+35.8% | $79,580+63.7% | $134,532-3.1% |
| Participation rate | 50.0% | 75.0%-25.0pp | 69.5%-19.5pp | 81.2%-31.2pp |
| Annual return | -38.76% | -2.71%-36.0pp | 0.15%-38.9pp | 418.27%-457.0pp |
| Employer contribution / active EE | $963 | $3,129-69.2% | $2,413-60.1% | $4,741-79.7% |
| Participant deferral / active EE | $6,896 | $4,693+46.9% | $3,985+73.0% | $6,401+7.7% |
| Admin fee / account holder | $8,721 | $9,132-4.5% | $6,835+27.6% | $11,429-23.7% |