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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 | $29,217 | $95,895-69.5% | $79,576-63.3% | $134,509-78.3% |
| Participation rate | 53.8% | 75.0%-21.2pp | 69.5%-15.6pp | 81.2%-27.4pp |
| Annual return | -20.82% | -2.72%-18.1pp | 0.15%-21.0pp | 418.13%-439.0pp |
| Employer contribution / active EE | $1,737 | $3,128-44.5% | $2,413-28.0% | $4,741-63.4% |
| Participant deferral / active EE | $3,623 | $4,693-22.8% | $3,985-9.1% | $6,400-43.4% |
| Admin fee / account holder | $2,229 | $9,129-75.6% | $6,834-67.4% | $11,427-80.5% |