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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 | $40,383 | $72,404-44.2% | $110,243-63.4% | $64,173-37.1% |
| Participation rate | 52.1% | 73.3%-21.3pp | 79.8%-27.7pp | 69.6%-17.5pp |
| Annual return | -9.38% | -6.29%-3.1pp | 314.76%-324.1pp | 7.63%-17.0pp |
| Employer contribution / active EE | $1,671 | $2,282-26.8% | $3,827-56.3% | $2,381-29.8% |
| Participant deferral / active EE | $4,094 | $3,469+18.0% | $4,672-12.4% | $3,470+18.0% |
| Admin fee / account holder | $394 | $5,664-93.0% | $8,548-95.4% | $4,887-91.9% |