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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 | $124,100 | $133,998-7.4% | $112,263+10.5% | $134,545-7.8% |
| Participation rate | 25.0% | 78.6%-53.6pp | 75.1%-50.1pp | 81.2%-56.2pp |
| Annual return | -20.55% | 47.17%-67.7pp | 27.49%-48.0pp | 418.37%-438.9pp |
| Employer contribution / active EE | $1,186 | $4,040-70.6% | $3,636-67.4% | $4,742-75.0% |
| Participant deferral / active EE | $4,991 | $5,292-5.7% | $4,729+5.5% | $6,401-22.0% |
| Admin fee / account holder | $649 | $7,493-91.3% | $6,410-89.9% | $11,431-94.3% |