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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 | $96,020 | $82,674+16.1% | $125,381-23.4% | $68,486+40.2% |
| Participation rate | 38.8% | 75.1%-36.3pp | 82.4%-43.6pp | 67.9%-29.1pp |
| Annual return | -20.32% | -5.97%-14.4pp | 572.31%-592.6pp | -7.85%-12.5pp |
| Employer contribution / active EE | $1,447 | $3,382-57.2% | $4,815-69.9% | $2,597-44.3% |
| Participant deferral / active EE | $3,711 | $6,111-39.3% | $7,448-50.2% | $4,028-7.9% |
| Admin fee / account holder | $10,196 | $6,277+62.4% | $10,007+1.9% | $5,404+88.7% |