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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 | $161,205 | $133,981+20.3% | $112,249+43.6% | $134,532+19.8% |
| Participation rate | 62.5% | 78.6%-16.1pp | 75.1%-12.6pp | 81.2%-18.7pp |
| Annual return | -27.20% | 47.16%-74.4pp | 27.48%-54.7pp | 418.27%-445.5pp |
| Employer contribution / active EE | $1,801 | $4,040-55.4% | $3,636-50.5% | $4,741-62.0% |
| Participant deferral / active EE | $3,510 | $5,292-33.7% | $4,729-25.8% | $6,401-45.2% |
| Admin fee / account holder | $3,535 | $7,492-52.8% | $6,412-44.9% | $11,429-69.1% |