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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 | $39,813 | $100,792-60.5% | $86,691-54.1% | $134,509-70.4% |
| Participation rate | 40.0% | 78.9%-38.9pp | 76.6%-36.6pp | 81.2%-41.2pp |
| Annual return | -21.01% | 29.08%-50.1pp | 35.94%-57.0pp | 418.13%-439.1pp |
| Employer contribution / active EE | $1,540 | $3,491-55.9% | $2,837-45.7% | $4,741-67.5% |
| Participant deferral / active EE | $6,116 | $5,339+14.6% | $4,656+31.4% | $6,400-4.4% |
| Admin fee / account holder | $2,077 | $10,924-81.0% | $7,492-72.3% | $11,427-81.8% |