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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 | $174,374 | $49,177+254.6% | $79,466+119.4% | $64,173+171.7% |
| Participation rate | 33.3% | 65.0%-31.7pp | 73.3%-40.0pp | 69.6%-36.2pp |
| Annual return | -9.17% | -1.16%-8.0pp | 718.28%-727.4pp | 7.63%-16.8pp |
| Employer contribution / active EE | $816 | $2,076-60.7% | $2,800-70.8% | $2,381-65.7% |
| Participant deferral / active EE | $1,451 | $2,821-48.6% | $3,704-60.8% | $3,470-58.2% |
| Admin fee / account holder | $3,356 | $3,839-12.6% | $5,104-34.3% | $4,887-31.3% |