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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 | $30,871 | $75,832-59.3% | $147,618-79.1% | $59,633-48.2% |
| Participation rate | 62.8% | 71.6%-8.8pp | 84.6%-21.8pp | 68.7%-5.9pp |
| Annual return | -2.78% | 0.37%-3.1pp | 61.98%-64.8pp | 2041.40%-2044.2pp |
| Employer contribution / active EE | $1,280 | $3,485-63.3% | $5,565-77.0% | $2,203-41.9% |
| Participant deferral / active EE | $4,351 | $3,131+39.0% | $4,895-11.1% | $3,192+36.3% |
| Admin fee / account holder | $1,937 | $5,986-67.6% | $11,612-83.3% | $4,297-54.9% |