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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 | $72,342 | $27,632+161.8% | $61,399+17.8% | $68,495+5.6% |
| Participation rate | 41.9% | 39.5%+2.4pp | 52.6%-10.6pp | 67.9%-26.0pp |
| Annual return | -24.18% | -13.24%-10.9pp | 338.81%-363.0pp | -7.84%-16.3pp |
| Employer contribution / active EE | $631 | $696-9.3% | $1,159-45.6% | $2,596-75.7% |
| Participant deferral / active EE | $2,279 | $1,264+80.3% | $2,124+7.3% | $4,028-43.4% |
| Admin fee / account holder | $5,847 | $2,010+190.8% | $2,131+174.4% | $5,403+8.2% |