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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 | $123,995 | $95,917+29.3% | $79,583+55.8% | $134,545-7.8% |
| Participation rate | 33.3% | 75.0%-41.7pp | 69.5%-36.2pp | 81.2%-47.9pp |
| Annual return | -33.07% | -2.70%-30.4pp | 0.16%-33.2pp | 418.37%-451.4pp |
| Employer contribution / active EE | $2,912 | $3,129-6.9% | $2,414+20.7% | $4,742-38.6% |
| Participant deferral / active EE | $9,000 | $4,694+91.7% | $3,986+125.8% | $6,401+40.6% |
| Admin fee / account holder | $15,437 | $9,132+69.0% | $6,835+125.8% | $11,431+35.0% |