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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 | $37,176 | $57,352-35.2% | $83,830-55.7% | $64,173-42.1% |
| Participation rate | 35.5% | 68.6%-33.1pp | 76.1%-40.7pp | 69.6%-34.1pp |
| Annual return | -10.15% | 11.38%-21.5pp | 850.97%-861.1pp | 7.63%-17.8pp |
| Employer contribution / active EE | $1,446 | $2,546-43.2% | $3,631-60.2% | $2,381-39.3% |
| Participant deferral / active EE | $2,064 | $2,993-31.1% | $4,082-49.4% | $3,470-40.5% |
| Admin fee / account holder | $631 | $4,046-84.4% | $5,479-88.5% | $4,887-87.1% |