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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 | $96,625 | $118,877-18.7% | $96,570+0.1% | $167,536-42.3% |
| Participation rate | 46.7% | 75.5%-28.8pp | 69.8%-23.2pp | 82.1%-35.4pp |
| Annual return | -8.91% | 50.50%-59.4pp | 37.79%-46.7pp | 478.82%-487.7pp |
| Employer contribution / active EE | $2,332 | $3,121-25.3% | $2,357-1.1% | $4,839-51.8% |
| Participant deferral / active EE | $5,419 | $4,617+17.4% | $3,849+40.8% | $6,342-14.6% |
| Admin fee / account holder | $834 | $8,069-89.7% | $6,182-86.5% | $12,315-93.2% |