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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 | $190,895 | $106,524+79.2% | $152,301+25.3% | $87,485+118.2% |
| Participation rate | 44.4% | 75.8%-31.3pp | 82.4%-38.0pp | 68.9%-24.5pp |
| Annual return | -6.15% | 26.89%-33.0pp | 80.50%-86.6pp | 26.06%-32.2pp |
| Employer contribution / active EE | $1,511 | $3,371-55.2% | $4,624-67.3% | $2,596-41.8% |
| Participant deferral / active EE | $6,302 | $6,525-3.4% | $8,004-21.3% | $4,274+47.5% |
| Admin fee / account holder | $1,524 | $8,287-81.6% | $14,398-89.4% | $7,775-80.4% |