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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 | $129,447 | $168,635-23.2% | $147,617-12.3% | $125,389+3.2% |
| Participation rate | 50.0% | 88.8%-38.8pp | 84.6%-34.6pp | 83.2%-33.2pp |
| Annual return | -5.75% | 77.65%-83.4pp | 61.98%-67.7pp | 282.24%-288.0pp |
| Employer contribution / active EE | $2,259 | $6,252-63.9% | $5,564-59.4% | $4,866-53.6% |
| Participant deferral / active EE | $4,955 | $5,507-10.0% | $4,895+1.2% | $5,352-7.4% |
| Admin fee / account holder | $382 | $13,580-97.2% | $11,612-96.7% | $9,541-96.0% |