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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 | $53,215 | $45,566+16.8% | $64,105-17.0% | $59,633-10.8% |
| Participation rate | 54.5% | 60.2%-5.6pp | 68.2%-13.6pp | 68.7%-14.1pp |
| Annual return | -4.49% | 4.95%-9.4pp | 791.24%-795.7pp | 2041.40%-2045.9pp |
| Employer contribution / active EE | $550 | $934-41.1% | $1,820-69.8% | $2,203-75.0% |
| Participant deferral / active EE | $3,488 | $2,057+69.6% | $2,822+23.6% | $3,192+9.3% |
| Admin fee / account holder | $1,961 | $3,268-40.0% | $4,499-56.4% | $4,297-54.4% |