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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 | $128,467 | $99,345+29.3% | $84,753+51.6% | $273,972-53.1% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | -2.29% | 22.93%-25.2pp | 22.78%-25.1pp | 41.46%-43.7pp |
| Employer contribution / active EE | $1,665 | $4,214-60.5% | $3,574-53.4% | $4,869-65.8% |
| Participant deferral / active EE | $5,193 | $4,270+21.6% | $3,712+39.9% | $5,287-1.8% |
| Admin fee / account holder | $12,656 | $6,645+90.4% | $5,333+137.3% | $10,133+24.9% |