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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 | $83,216 | $72,404+14.9% | $110,243-24.5% | $64,173+29.7% |
| Participation rate | 63.3% | 73.3%-10.0pp | 79.8%-16.5pp | 69.6%-6.2pp |
| Annual return | -8.92% | -6.29%-2.6pp | 314.76%-323.7pp | 7.63%-16.6pp |
| Employer contribution / active EE | $1,697 | $2,282-25.6% | $3,827-55.7% | $2,381-28.7% |
| Participant deferral / active EE | $5,856 | $3,469+68.8% | $4,672+25.3% | $3,470+68.8% |
| Admin fee / account holder | $1,837 | $5,664-67.6% | $8,548-78.5% | $4,887-62.4% |