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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 | $58,286 | $158,852-63.3% | $121,220-51.9% | $135,380-56.9% |
| Participation rate | 50.0% | 79.3%-29.3pp | 71.8%-21.8pp | 82.6%-32.6pp |
| Annual return | -10.69% | -0.64%-10.1pp | 16.94%-27.6pp | 519.81%-530.5pp |
| Employer contribution / active EE | $932 | $5,666-83.6% | $4,023-76.8% | $4,779-80.5% |
| Participant deferral / active EE | $4,960 | $4,006+23.8% | $3,345+48.3% | $5,609-11.6% |
| Admin fee / account holder | $1,494 | $6,515-77.1% | $5,021-70.2% | $10,828-86.2% |