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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 | $20,388 | $52,519-61.2% | $155,789-86.9% | $59,633-65.8% |
| Participation rate | 63.0% | 61.7%+1.3pp | 76.1%-13.1pp | 68.7%-5.7pp |
| Annual return | -3.65% | 53.51%-57.2pp | 71.54%-75.2pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $1,580 | $1,589-0.6% | $3,839-58.8% | $2,203-28.3% |
| Participant deferral / active EE | $3,242 | $3,084+5.1% | $4,798-32.4% | $3,192+1.6% |
| Admin fee / account holder | $1,060 | $3,540-70.0% | $7,477-85.8% | $4,297-75.3% |