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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 | $124,412 | $91,538+35.9% | $130,014-4.3% | $75,173+65.5% |
| Participation rate | 51.2% | 71.4%-20.3pp | 78.5%-27.3pp | 67.2%-16.0pp |
| Annual return | 12.83% | -631.11%+643.9pp | -137.22%+150.0pp | 160.65%-147.8pp |
| Employer contribution / active EE | $1,878 | $2,845-34.0% | $4,320-56.5% | $2,670-29.7% |
| Participant deferral / active EE | $4,392 | $4,341+1.2% | $5,821-24.5% | $4,126+6.4% |
| Admin fee / account holder | $7,744 | $6,790+14.1% | $10,616-27.0% | $5,651+37.0% |