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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 | $20,855 | $75,962-72.5% | $154,111-86.5% | $64,173-67.5% |
| Participation rate | 51.3% | 70.4%-19.1pp | 83.0%-31.8pp | 69.6%-18.3pp |
| Annual return | -10.71% | 30.32%-41.0pp | 735.18%-745.9pp | 7.63%-18.3pp |
| Employer contribution / active EE | $1,585 | $3,350-52.7% | $5,298-70.1% | $2,381-33.4% |
| Participant deferral / active EE | $2,638 | $3,175-16.9% | $5,081-48.1% | $3,470-24.0% |
| Admin fee / account holder | $1,159 | $5,589-79.3% | $13,411-91.4% | $4,887-76.3% |