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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 | $144,524 | $90,486+59.7% | $78,676+83.7% | $273,972-47.2% |
| Participation rate | 14.3% | 76.5%-62.2pp | 73.6%-59.3pp | 83.0%-68.7pp |
| Annual return | -1.90% | 75.62%-77.5pp | 62.19%-64.1pp | 41.46%-43.4pp |
| Employer contribution / active EE | $1,762 | $3,175-44.5% | $2,850-38.2% | $4,869-63.8% |
| Participant deferral / active EE | $4,723 | $3,901+21.1% | $3,517+34.3% | $5,287-10.7% |
| Admin fee / account holder | $23,018 | $5,263+337.3% | $4,510+410.4% | $10,133+127.2% |