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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 | $81,928 | $75,962+7.9% | $154,108-46.8% | $64,173+27.7% |
| Participation rate | 61.1% | 70.4%-9.3pp | 83.0%-21.9pp | 69.6%-8.5pp |
| Annual return | -10.08% | 30.32%-40.4pp | 735.21%-745.3pp | 7.63%-17.7pp |
| Employer contribution / active EE | $1,995 | $3,350-40.4% | $5,298-62.3% | $2,381-16.2% |
| Participant deferral / active EE | $3,793 | $3,175+19.5% | $5,081-25.3% | $3,470+9.3% |
| Admin fee / account holder | $611 | $5,589-89.1% | $13,411-95.4% | $4,887-87.5% |