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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 | $52,570 | $82,674-36.4% | $125,381-58.1% | $68,486-23.2% |
| Participation rate | 69.7% | 75.1%-5.4pp | 82.4%-12.7pp | 67.9%+1.8pp |
| Annual return | -20.12% | -5.97%-14.1pp | 572.31%-592.4pp | -7.85%-12.3pp |
| Employer contribution / active EE | $2,009 | $3,382-40.6% | $4,815-58.3% | $2,597-22.6% |
| Participant deferral / active EE | $6,859 | $6,111+12.2% | $7,448-7.9% | $4,028+70.3% |
| Admin fee / account holder | $3,907 | $6,277-37.8% | $10,007-61.0% | $5,404-27.7% |