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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 | $22,371 | $57,352-61.0% | $83,830-73.3% | $64,173-65.1% |
| Participation rate | 61.5% | 68.6%-7.1pp | 76.1%-14.6pp | 69.6%-8.0pp |
| Annual return | -11.95% | 11.38%-23.3pp | 850.97%-862.9pp | 7.63%-19.6pp |
| Employer contribution / active EE | $1,742 | $2,546-31.6% | $3,631-52.0% | $2,381-26.8% |
| Participant deferral / active EE | $3,420 | $2,993+14.3% | $4,082-16.2% | $3,470-1.4% |
| Admin fee / account holder | $1,784 | $4,046-55.9% | $5,479-67.4% | $4,887-63.5% |