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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 | $48,323 | $138,076-65.0% | $123,553-60.9% | $135,380-64.3% |
| Participation rate | 54.5% | 84.7%-30.2pp | 82.3%-27.7pp | 82.6%-28.1pp |
| Annual return | -9.45% | 153.70%-163.1pp | 119.21%-128.7pp | 519.81%-529.3pp |
| Employer contribution / active EE | $2,297 | $5,152-55.4% | $4,628-50.4% | $4,779-51.9% |
| Participant deferral / active EE | $4,961 | $6,800-27.0% | $6,426-22.8% | $5,609-11.6% |
| Admin fee / account holder | $3,584 | $10,917-67.2% | $9,284-61.4% | $10,828-66.9% |