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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 | $187,490 | $75,832+147.2% | $147,617+27.0% | $59,633+214.4% |
| Participation rate | 52.0% | 71.6%-19.6pp | 84.6%-32.6pp | 68.7%-16.7pp |
| Annual return | -3.88% | 0.37%-4.2pp | 61.98%-65.9pp | 2041.45%-2045.3pp |
| Employer contribution / active EE | $4,660 | $3,485+33.7% | $5,564-16.3% | $2,203+111.6% |
| Participant deferral / active EE | $1,560 | $3,131-50.2% | $4,895-68.1% | $3,192-51.1% |
| Admin fee / account holder | $2,313 | $5,986-61.4% | $11,612-80.1% | $4,297-46.2% |