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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 | $25,068 | $91,167-72.5% | $178,498-86.0% | $79,858-68.6% |
| Participation rate | 52.3% | 69.2%-16.9pp | 81.9%-29.7pp | 69.6%-17.4pp |
| Annual return | -12.46% | 24.19%-36.7pp | 151.09%-163.6pp | 31.72%-44.2pp |
| Employer contribution / active EE | $2,313 | $3,255-28.9% | $5,011-53.8% | $2,471-6.4% |
| Participant deferral / active EE | $5,189 | $3,236+60.4% | $5,202-0.3% | $3,740+38.7% |
| Admin fee / account holder | $7,048 | $6,747+4.5% | $13,985-49.6% | $5,306+32.8% |