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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 | $37,465 | $140,592-73.4% | $123,105-69.6% | $125,389-70.1% |
| Participation rate | 60.0% | 88.2%-28.2pp | 86.8%-26.8pp | 83.2%-23.2pp |
| Annual return | -3.48% | 16.80%-20.3pp | 13.22%-16.7pp | 282.24%-285.7pp |
| Employer contribution / active EE | $5,043 | $6,041-16.5% | $5,151-2.1% | $4,866+3.6% |
| Participant deferral / active EE | $5,252 | $6,980-24.8% | $6,229-15.7% | $5,352-1.9% |
| Admin fee / account holder | $21,875 | $11,198+95.4% | $9,014+142.7% | $9,541+129.3% |