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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 | $36,995 | $153,311-75.9% | $109,313-66.2% | $273,972-86.5% |
| Participation rate | 50.0% | 80.1%-30.1pp | 71.3%-21.3pp | 83.0%-33.0pp |
| Annual return | -1.11% | 29.86%-31.0pp | 22.07%-23.2pp | 41.46%-42.6pp |
| Employer contribution / active EE | $1,331 | $5,619-76.3% | $3,892-65.8% | $4,869-72.7% |
| Participant deferral / active EE | $2,172 | $3,932-44.8% | $3,166-31.4% | $5,287-58.9% |
| Admin fee / account holder | $25,045 | $8,076+210.1% | $5,666+342.0% | $10,133+147.2% |