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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 | $46,229 | $72,404-36.2% | $110,243-58.1% | $64,173-28.0% |
| Participation rate | 52.8% | 73.3%-20.6pp | 79.8%-27.0pp | 69.6%-16.8pp |
| Annual return | -10.13% | -6.29%-3.8pp | 314.76%-324.9pp | 7.63%-17.8pp |
| Employer contribution / active EE | $2,399 | $2,282+5.2% | $3,827-37.3% | $2,381+0.8% |
| Participant deferral / active EE | $4,983 | $3,469+43.6% | $4,672+6.6% | $3,470+43.6% |
| Admin fee / account holder | $3,209 | $5,664-43.3% | $8,548-62.5% | $4,887-34.3% |