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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 | $117,997 | $69,012+71.0% | $160,037-26.3% | $68,490+72.3% |
| Participation rate | 53.6% | 65.4%-11.9pp | 78.0%-24.4pp | 67.9%-14.3pp |
| Annual return | -19.44% | -9.65%-9.8pp | 408.95%-428.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,926 | $2,212-12.9% | $4,226-54.4% | $2,597-25.8% |
| Participant deferral / active EE | $3,660 | $4,212-13.1% | $6,184-40.8% | $4,028-9.1% |
| Admin fee / account holder | $12,469 | $4,798+159.8% | $8,716+43.1% | $5,403+130.8% |