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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 | $45,168 | $75,962-40.5% | $154,108-70.7% | $64,173-29.6% |
| Participation rate | 55.7% | 70.4%-14.7pp | 83.0%-27.3pp | 69.6%-13.8pp |
| Annual return | -8.22% | 30.32%-38.5pp | 735.21%-743.4pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,327 | $3,350-60.4% | $5,298-75.0% | $2,381-44.3% |
| Participant deferral / active EE | $5,464 | $3,175+72.1% | $5,081+7.5% | $3,470+57.5% |
| Admin fee / account holder | $1,610 | $5,589-71.2% | $13,411-88.0% | $4,887-67.1% |