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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 | $26,560 | $63,354-58.1% | $94,105-71.8% | $82,637-67.9% |
| Participation rate | 62.5% | 63.8%-1.3pp | 71.9%-9.4pp | 68.1%-5.6pp |
| Annual return | -2.76% | 34.36%-37.1pp | 204.55%-207.3pp | 53.51%-56.3pp |
| Employer contribution / active EE | $1,493 | $1,760-15.1% | $2,504-40.4% | $2,552-41.5% |
| Participant deferral / active EE | $3,941 | $2,873+37.2% | $3,881+1.6% | $4,126-4.5% |
| Admin fee / account holder | $1,583 | $5,073-68.8% | $6,199-74.5% | $7,339-78.4% |