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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 | $85,437 | $54,355+57.2% | $82,744+3.3% | $68,486+24.8% |
| Participation rate | 42.4% | 63.9%-21.5pp | 72.6%-30.1pp | 67.9%-25.5pp |
| Annual return | -26.49% | -13.67%-12.8pp | 702.22%-728.7pp | -7.85%-18.6pp |
| Employer contribution / active EE | $2,361 | $2,219+6.4% | $3,008-21.5% | $2,597-9.1% |
| Participant deferral / active EE | $3,880 | $3,246+19.5% | $4,395-11.7% | $4,028-3.7% |
| Admin fee / account holder | $10,632 | $4,397+141.8% | $5,325+99.7% | $5,404+96.8% |