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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 | $129,787 | $124,314+4.4% | $109,163+18.9% | $167,518-22.5% |
| Participation rate | 54.5% | 79.4%-24.9pp | 75.9%-21.3pp | 82.1%-27.6pp |
| Annual return | -19.73% | 26.04%-45.8pp | 25.75%-45.5pp | 478.71%-498.4pp |
| Employer contribution / active EE | $4,762 | $4,209+13.2% | $3,723+27.9% | $4,838-1.6% |
| Participant deferral / active EE | $6,108 | $5,256+16.2% | $4,654+31.3% | $6,342-3.7% |
| Admin fee / account holder | $1,261 | $7,973-84.2% | $6,754-81.3% | $12,312-89.8% |