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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 | $126,983 | $87,016+45.9% | $63,244+100.8% | $125,389+1.3% |
| Participation rate | 41.2% | 77.1%-35.9pp | 71.0%-29.9pp | 83.2%-42.0pp |
| Annual return | -4.44% | 21.71%-26.1pp | -70.31%+65.9pp | 282.24%-286.7pp |
| Employer contribution / active EE | $859 | $3,601-76.1% | $2,322-63.0% | $4,866-82.4% |
| Participant deferral / active EE | $4,109 | $3,939+4.3% | $2,953+39.1% | $5,352-23.2% |
| Admin fee / account holder | $2,131 | $11,954-82.2% | $5,893-63.8% | $9,541-77.7% |