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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 | $129,885 | $82,674+57.1% | $125,363+3.6% | $68,495+89.6% |
| Participation rate | 58.6% | 75.0%-16.4pp | 82.4%-23.8pp | 67.9%-9.3pp |
| Annual return | -30.68% | -5.97%-24.7pp | 572.15%-602.8pp | -7.84%-22.8pp |
| Employer contribution / active EE | $2,848 | $3,382-15.8% | $4,815-40.8% | $2,596+9.7% |
| Participant deferral / active EE | $4,374 | $6,111-28.4% | $7,447-41.3% | $4,028+8.6% |
| Admin fee / account holder | $775 | $6,276-87.7% | $10,005-92.3% | $5,403-85.7% |