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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 | $82,804 | $82,678+0.2% | $125,391-34.0% | $68,490+20.9% |
| Participation rate | 67.7% | 75.1%-7.3pp | 82.4%-14.6pp | 67.9%-0.2pp |
| Annual return | -19.69% | -5.97%-13.7pp | 572.41%-592.1pp | -7.85%-11.8pp |
| Employer contribution / active EE | $3,034 | $3,382-10.3% | $4,816-37.0% | $2,597+16.8% |
| Participant deferral / active EE | $5,377 | $6,111-12.0% | $7,448-27.8% | $4,028+33.5% |
| Admin fee / account holder | $6,300 | $6,277+0.4% | $10,009-37.0% | $5,403+16.6% |