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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 | $99,606 | $91,525+8.8% | $130,026-23.4% | $75,181+32.5% |
| Participation rate | 43.8% | 71.4%-27.7pp | 78.5%-34.7pp | 67.2%-23.4pp |
| Annual return | 12.56% | -631.40%+644.0pp | -137.26%+149.8pp | 160.69%-148.1pp |
| Employer contribution / active EE | $1,470 | $2,844-48.3% | $4,321-66.0% | $2,671-45.0% |
| Participant deferral / active EE | $3,740 | $4,342-13.9% | $5,821-35.8% | $4,126-9.4% |
| Admin fee / account holder | $5,130 | $6,778-24.3% | $10,608-51.6% | $5,650-9.2% |