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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 | $111,658 | $54,370+105.4% | $82,763+34.9% | $68,490+63.0% |
| Participation rate | 33.3% | 63.9%-30.6pp | 72.6%-39.2pp | 67.9%-34.6pp |
| Annual return | -21.24% | -13.67%-7.6pp | 702.45%-723.7pp | -7.85%-13.4pp |
| Employer contribution / active EE | $1,134 | $2,219-48.9% | $3,008-62.3% | $2,597-56.3% |
| Participant deferral / active EE | $3,445 | $3,247+6.1% | $4,395-21.6% | $4,028-14.5% |
| Admin fee / account holder | $1,295 | $4,398-70.6% | $5,325-75.7% | $5,403-76.0% |