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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 | $44,397 | $133,981-66.9% | $112,249-60.4% | $134,532-67.0% |
| Participation rate | 40.0% | 78.6%-38.6pp | 75.1%-35.1pp | 81.2%-41.2pp |
| Annual return | -20.97% | 47.16%-68.1pp | 27.48%-48.5pp | 418.27%-439.2pp |
| Employer contribution / active EE | $2,299 | $4,040-43.1% | $3,636-36.8% | $4,741-51.5% |
| Participant deferral / active EE | $5,556 | $5,292+5.0% | $4,729+17.5% | $6,401-13.2% |
| Admin fee / account holder | $2,604 | $7,492-65.2% | $6,412-59.4% | $11,429-77.2% |