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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 | $85,898 | $65,027+32.1% | $90,970-5.6% | $79,852+7.6% |
| Participation rate | 63.6% | 61.6%+2.0pp | 69.0%-5.4pp | 69.6%-6.0pp |
| Annual return | -9.83% | 30.45%-40.3pp | 134.58%-144.4pp | 31.72%-41.5pp |
| Employer contribution / active EE | $363 | $1,247-70.9% | $2,122-82.9% | $2,471-85.3% |
| Participant deferral / active EE | $4,108 | $2,512+63.6% | $3,373+21.8% | $3,740+9.8% |
| Admin fee / account holder | $1,526 | $4,535-66.4% | $5,960-74.4% | $5,306-71.2% |