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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 | $158,339 | $82,674+91.5% | $125,381+26.3% | $68,486+131.2% |
| Participation rate | 42.9% | 75.1%-32.2pp | 82.4%-39.5pp | 67.9%-25.0pp |
| Annual return | -20.20% | -5.97%-14.2pp | 572.31%-592.5pp | -7.85%-12.3pp |
| Employer contribution / active EE | $2,322 | $3,382-31.3% | $4,815-51.8% | $2,597-10.6% |
| Participant deferral / active EE | $6,177 | $6,111+1.1% | $7,448-17.1% | $4,028+53.4% |
| Admin fee / account holder | $486 | $6,277-92.3% | $10,007-95.1% | $5,404-91.0% |