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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 | $185,558 | $100,805+84.1% | $86,698+114.0% | $134,532+37.9% |
| Participation rate | 61.1% | 79.0%-17.8pp | 76.6%-15.5pp | 81.2%-20.1pp |
| Annual return | -26.79% | 29.09%-55.9pp | 35.95%-62.7pp | 418.27%-445.1pp |
| Employer contribution / active EE | $2,123 | $3,490-39.2% | $2,837-25.2% | $4,741-55.2% |
| Participant deferral / active EE | $5,053 | $5,339-5.4% | $4,656+8.5% | $6,401-21.1% |
| Admin fee / account holder | $5,817 | $10,925-46.8% | $7,493-22.4% | $11,429-49.1% |