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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 | $56,710 | $92,219-38.5% | $76,767-26.1% | $135,380-58.1% |
| Participation rate | 60.0% | 79.8%-19.8pp | 77.0%-17.0pp | 82.6%-22.6pp |
| Annual return | -10.53% | 5.46%-16.0pp | 2.43%-13.0pp | 519.81%-530.3pp |
| Employer contribution / active EE | $1,180 | $3,216-63.3% | $2,485-52.5% | $4,779-75.3% |
| Participant deferral / active EE | $4,453 | $4,508-1.2% | $3,852+15.6% | $5,609-20.6% |
| Admin fee / account holder | $874 | $10,749-91.9% | $6,675-86.9% | $10,828-91.9% |