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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 | $62,513 | $72,404-13.7% | $110,243-43.3% | $64,173-2.6% |
| Participation rate | 47.3% | 73.3%-26.1pp | 79.8%-32.5pp | 69.6%-22.3pp |
| Annual return | -8.10% | -6.29%-1.8pp | 314.76%-322.9pp | 7.63%-15.7pp |
| Employer contribution / active EE | $740 | $2,282-67.6% | $3,827-80.7% | $2,381-68.9% |
| Participant deferral / active EE | $1,956 | $3,469-43.6% | $4,672-58.1% | $3,470-43.6% |
| Admin fee / account holder | $1,339 | $5,664-76.4% | $8,548-84.3% | $4,887-72.6% |