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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 | $94,212 | $69,541+35.5% | $59,899+57.3% | $135,380-30.4% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.7%-24.7pp | 82.6%-32.6pp |
| Annual return | -10.37% | 7.95%-18.3pp | 3.46%-13.8pp | 519.81%-530.2pp |
| Employer contribution / active EE | $2,599 | $3,236-19.7% | $2,723-4.5% | $4,779-45.6% |
| Participant deferral / active EE | $5,209 | $4,206+23.9% | $3,402+53.1% | $5,609-7.1% |
| Admin fee / account holder | $4,204 | $5,737-26.7% | $3,592+17.0% | $10,828-61.2% |