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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 | $175,544 | $78,423+123.8% | $95,964+82.9% | $79,856+119.8% |
| Participation rate | 64.5% | 73.5%-9.0pp | 77.1%-12.6pp | 69.6%-5.1pp |
| Annual return | -2.62% | 19.37%-22.0pp | 91.64%-94.3pp | 31.71%-34.3pp |
| Employer contribution / active EE | $1,130 | $1,945-41.9% | $2,541-55.5% | $2,471-54.3% |
| Participant deferral / active EE | $1,907 | $3,440-44.6% | $4,167-54.2% | $3,741-49.0% |
| Admin fee / account holder | $4,258 | $5,622-24.3% | $6,797-37.4% | $5,306-19.8% |