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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 | $45,347 | $54,355-16.6% | $82,744-45.2% | $68,486-33.8% |
| Participation rate | 43.2% | 63.9%-20.7pp | 72.6%-29.3pp | 67.9%-24.7pp |
| Annual return | -21.08% | -13.67%-7.4pp | 702.22%-723.3pp | -7.85%-13.2pp |
| Employer contribution / active EE | $803 | $2,219-63.8% | $3,008-73.3% | $2,597-69.1% |
| Participant deferral / active EE | $2,043 | $3,246-37.1% | $4,395-53.5% | $4,028-49.3% |
| Admin fee / account holder | $1,898 | $4,397-56.8% | $5,325-64.4% | $5,404-64.9% |