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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 | $185,901 | $133,998+38.7% | $112,263+65.6% | $134,545+38.2% |
| Participation rate | 42.1% | 78.6%-36.5pp | 75.1%-33.0pp | 81.2%-39.1pp |
| Annual return | -21.48% | 47.17%-68.7pp | 27.49%-49.0pp | 418.37%-439.8pp |
| Employer contribution / active EE | $2,451 | $4,040-39.3% | $3,636-32.6% | $4,742-48.3% |
| Participant deferral / active EE | $3,595 | $5,292-32.1% | $4,729-24.0% | $6,401-43.8% |
| Admin fee / account holder | $6,703 | $7,493-10.5% | $6,410+4.6% | $11,431-41.4% |