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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 | $39,076 | $110,337-64.6% | $102,383-61.8% | $145,877-73.2% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | -32.93% | 24.83%-57.8pp | 24.94%-57.9pp | 551.28%-584.2pp |
| Employer contribution / active EE | $3,818 | $4,216-9.4% | $3,870-1.4% | $4,663-18.1% |
| Participant deferral / active EE | $3,818 | $5,621-32.1% | $5,060-24.5% | $6,691-42.9% |
| Admin fee / account holder | $13,605 | $9,750+39.5% | $8,391+62.1% | $13,402+1.5% |