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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 | $135,656 | $85,171+59.3% | $172,752-21.5% | $72,975+85.9% |
| Participation rate | 50.0% | 70.1%-20.1pp | 82.6%-32.6pp | 69.5%-19.5pp |
| Annual return | -4.18% | 27.32%-31.5pp | 802.97%-807.1pp | 81.01%-85.2pp |
| Employer contribution / active EE | $919 | $3,324-72.4% | $5,144-82.1% | $2,440-62.3% |
| Participant deferral / active EE | $3,033 | $3,260-7.0% | $5,198-41.6% | $3,608-15.9% |
| Admin fee / account holder | $847 | $5,880-85.6% | $13,955-93.9% | $5,124-83.5% |