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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 | $72,963 | $75,962-3.9% | $154,111-52.7% | $64,173+13.7% |
| Participation rate | 69.8% | 70.4%-0.6pp | 83.0%-13.3pp | 69.6%+0.2pp |
| Annual return | -9.27% | 30.32%-39.6pp | 735.18%-744.4pp | 7.63%-16.9pp |
| Employer contribution / active EE | $3,299 | $3,350-1.5% | $5,298-37.7% | $2,381+38.6% |
| Participant deferral / active EE | $6,163 | $3,175+94.1% | $5,081+21.3% | $3,470+77.6% |
| Admin fee / account holder | $3,137 | $5,589-43.9% | $13,411-76.6% | $4,887-35.8% |