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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 | $85,329 | $91,536-6.8% | $130,062-34.4% | $75,177+13.5% |
| Participation rate | 63.6% | 71.5%-7.8pp | 78.5%-14.9pp | 67.2%-3.6pp |
| Annual return | 10.28% | -631.62%+641.9pp | -137.37%+147.6pp | 160.75%-150.5pp |
| Employer contribution / active EE | $1,529 | $2,845-46.2% | $4,322-64.6% | $2,671-42.7% |
| Participant deferral / active EE | $3,366 | $4,343-22.5% | $5,821-42.2% | $4,126-18.4% |
| Admin fee / account holder | $14,286 | $6,780+110.7% | $10,601+34.8% | $5,651+152.8% |