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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 | $32,602 | $49,177-33.7% | $79,467-59.0% | $64,173-49.2% |
| Participation rate | 58.1% | 65.0%-7.0pp | 73.3%-15.3pp | 69.6%-11.5pp |
| Annual return | -8.37% | -1.16%-7.2pp | 718.30%-726.7pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,546 | $2,076-25.5% | $2,800-44.8% | $2,381-35.1% |
| Participant deferral / active EE | $2,728 | $2,821-3.3% | $3,704-26.3% | $3,470-21.4% |
| Admin fee / account holder | $5,034 | $3,839+31.1% | $5,104-1.4% | $4,887+3.0% |