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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 | $93,791 | $57,352+63.5% | $83,830+11.9% | $64,173+46.2% |
| Participation rate | 39.4% | 68.6%-29.2pp | 76.1%-36.8pp | 69.6%-30.2pp |
| Annual return | -8.90% | 11.38%-20.3pp | 850.97%-859.9pp | 7.63%-16.5pp |
| Employer contribution / active EE | $1,850 | $2,546-27.3% | $3,631-49.0% | $2,381-22.3% |
| Participant deferral / active EE | $3,336 | $2,993+11.5% | $4,082-18.3% | $3,470-3.9% |
| Admin fee / account holder | $3,915 | $4,046-3.2% | $5,479-28.5% | $4,887-19.9% |