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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 | $73,614 | $127,100-42.1% | $105,738-30.4% | $135,379-45.6% |
| Participation rate | 53.8% | 82.7%-28.9pp | 76.3%-22.5pp | 82.6%-28.8pp |
| Annual return | -12.37% | 4.49%-16.9pp | 6.27%-18.6pp | 519.79%-532.2pp |
| Employer contribution / active EE | $1,096 | $4,107-73.3% | $3,268-66.5% | $4,779-77.1% |
| Participant deferral / active EE | $8,073 | $5,064+59.4% | $4,080+97.9% | $5,609+43.9% |
| Admin fee / account holder | $307 | $9,087-96.6% | $6,913-95.6% | $10,828-97.2% |