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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 | $72,294 | $43,730+65.3% | $121,220-40.4% | $64,173+12.7% |
| Participation rate | 53.1% | 58.3%-5.2pp | 71.8%-18.6pp | 69.6%-16.4pp |
| Annual return | -8.08% | 68.94%-77.0pp | 16.94%-25.0pp | 7.63%-15.7pp |
| Employer contribution / active EE | $662 | $1,297-48.9% | $4,023-83.5% | $2,381-72.2% |
| Participant deferral / active EE | $1,978 | $2,281-13.3% | $3,345-40.9% | $3,470-43.0% |
| Admin fee / account holder | $11,111 | $3,502+217.2% | $5,021+121.3% | $4,887+127.3% |