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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 | $56,483 | $82,674-31.7% | $125,381-55.0% | $68,486-17.5% |
| Participation rate | 61.6% | 75.1%-13.4pp | 82.4%-20.7pp | 67.9%-6.2pp |
| Annual return | -20.99% | -5.97%-15.0pp | 572.31%-593.3pp | -7.85%-13.1pp |
| Employer contribution / active EE | $4,224 | $3,382+24.9% | $4,815-12.3% | $2,597+62.7% |
| Participant deferral / active EE | $9,130 | $6,111+49.4% | $7,448+22.6% | $4,028+126.7% |
| Admin fee / account holder | $5,908 | $6,277-5.9% | $10,007-41.0% | $5,404+9.3% |