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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 | $107,471 | $69,012+55.7% | $160,037-32.8% | $68,490+56.9% |
| Participation rate | 56.4% | 65.4%-9.0pp | 78.0%-21.6pp | 67.9%-11.5pp |
| Annual return | -22.60% | -9.65%-12.9pp | 408.95%-431.6pp | -7.85%-14.7pp |
| Employer contribution / active EE | $1,628 | $2,212-26.4% | $4,226-61.5% | $2,597-37.3% |
| Participant deferral / active EE | $4,450 | $4,212+5.7% | $6,184-28.0% | $4,028+10.5% |
| Admin fee / account holder | $5,750 | $4,798+19.8% | $8,716-34.0% | $5,403+6.4% |