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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 | $71,496 | $54,370+31.5% | $82,763-13.6% | $68,490+4.4% |
| Participation rate | 69.7% | 63.9%+5.8pp | 72.6%-2.9pp | 67.9%+1.8pp |
| Annual return | -21.36% | -13.67%-7.7pp | 702.45%-723.8pp | -7.85%-13.5pp |
| Employer contribution / active EE | $3,419 | $2,219+54.1% | $3,008+13.7% | $2,597+31.7% |
| Participant deferral / active EE | $3,199 | $3,247-1.5% | $4,395-27.2% | $4,028-20.6% |
| Admin fee / account holder | $1,885 | $4,398-57.1% | $5,325-64.6% | $5,403-65.1% |