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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 | $134,762 | $167,362-19.5% | $143,799-6.3% | $134,532+0.2% |
| Participation rate | 52.4% | 84.8%-32.4pp | 80.3%-27.9pp | 81.2%-28.8pp |
| Annual return | -20.62% | 0.47%-21.1pp | -0.04%-20.6pp | 418.27%-438.9pp |
| Employer contribution / active EE | $2,130 | $5,620-62.1% | $4,952-57.0% | $4,741-55.1% |
| Participant deferral / active EE | $5,522 | $6,447-14.4% | $5,638-2.1% | $6,401-13.7% |
| Admin fee / account holder | $3,832 | $18,094-78.8% | $14,677-73.9% | $11,429-66.5% |