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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 | $76,786 | $75,962+1.1% | $154,111-50.2% | $64,173+19.7% |
| Participation rate | 60.0% | 70.4%-10.4pp | 83.0%-23.0pp | 69.6%-9.6pp |
| Annual return | -12.05% | 30.32%-42.4pp | 735.18%-747.2pp | 7.63%-19.7pp |
| Employer contribution / active EE | $1,431 | $3,350-57.3% | $5,298-73.0% | $2,381-39.9% |
| Participant deferral / active EE | $3,214 | $3,175+1.2% | $5,081-36.7% | $3,470-7.4% |
| Admin fee / account holder | $7,191 | $5,589+28.7% | $13,411-46.4% | $4,887+47.1% |