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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 | $55,348 | $90,486-38.8% | $78,676-29.7% | $273,972-79.8% |
| Participation rate | 52.4% | 76.5%-24.1pp | 73.6%-21.2pp | 83.0%-30.6pp |
| Annual return | -1.73% | 75.62%-77.4pp | 62.19%-63.9pp | 41.46%-43.2pp |
| Employer contribution / active EE | $1,621 | $3,175-48.9% | $2,850-43.1% | $4,869-66.7% |
| Participant deferral / active EE | $2,586 | $3,901-33.7% | $3,517-26.5% | $5,287-51.1% |
| Admin fee / account holder | $5,478 | $5,263+4.1% | $4,510+21.5% | $10,133-45.9% |