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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 | $71,658 | $53,546+33.8% | $69,890+2.5% | $68,490+4.6% |
| Participation rate | 54.2% | 64.5%-10.4pp | 70.5%-16.3pp | 67.9%-13.7pp |
| Annual return | -19.94% | -13.87%-6.1pp | 190.84%-210.8pp | -7.85%-12.1pp |
| Employer contribution / active EE | $2,090 | $2,019+3.5% | $2,560-18.4% | $2,597-19.5% |
| Participant deferral / active EE | $6,736 | $2,957+127.8% | $3,848+75.0% | $4,028+67.2% |
| Admin fee / account holder | $11,668 | $4,693+148.7% | $6,267+86.2% | $5,403+116.0% |