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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 | $38,710 | $57,350-32.5% | $83,850-53.8% | $64,181-39.7% |
| Participation rate | 56.9% | 68.6%-11.7pp | 76.1%-19.3pp | 69.6%-12.7pp |
| Annual return | -10.21% | 11.38%-21.6pp | 850.92%-861.1pp | 7.63%-17.8pp |
| Employer contribution / active EE | $1,741 | $2,545-31.6% | $3,631-52.1% | $2,381-26.9% |
| Participant deferral / active EE | $4,531 | $2,993+51.4% | $4,082+11.0% | $3,470+30.6% |
| Admin fee / account holder | $1,123 | $4,046-72.2% | $5,478-79.5% | $4,887-77.0% |