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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 | $147,787 | $167,353-11.7% | $143,797+2.8% | $134,545+9.8% |
| Participation rate | 57.9% | 84.8%-26.9pp | 80.3%-22.4pp | 81.2%-23.3pp |
| Annual return | -24.25% | 0.48%-24.7pp | -0.04%-24.2pp | 418.37%-442.6pp |
| Employer contribution / active EE | $1,275 | $5,620-77.3% | $4,952-74.3% | $4,742-73.1% |
| Participant deferral / active EE | $4,643 | $6,447-28.0% | $5,638-17.7% | $6,401-27.5% |
| Admin fee / account holder | $991 | $18,096-94.5% | $14,679-93.3% | $11,431-91.3% |