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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 | $81,531 | $54,239+50.3% | $70,098+16.3% | $68,495+19.0% |
| Participation rate | 56.1% | 64.5%-8.4pp | 70.5%-14.4pp | 67.9%-11.8pp |
| Annual return | -24.73% | -13.87%-10.9pp | 190.76%-215.5pp | -7.84%-16.9pp |
| Employer contribution / active EE | $1,572 | $2,019-22.1% | $2,560-38.6% | $2,596-39.4% |
| Participant deferral / active EE | $2,191 | $2,957-25.9% | $3,849-43.1% | $4,028-45.6% |
| Admin fee / account holder | $4,150 | $4,691-11.5% | $6,266-33.8% | $5,403-23.2% |