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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 | $42,515 | $91,525-53.5% | $130,026-67.3% | $75,181-43.4% |
| Participation rate | 59.0% | 71.4%-12.4pp | 78.5%-19.5pp | 67.2%-8.2pp |
| Annual return | 10.94% | -631.40%+642.3pp | -137.26%+148.2pp | 160.69%-149.7pp |
| Employer contribution / active EE | $1,421 | $2,844-50.0% | $4,321-67.1% | $2,671-46.8% |
| Participant deferral / active EE | $2,910 | $4,342-33.0% | $5,821-50.0% | $4,126-29.5% |
| Admin fee / account holder | $8,637 | $6,778+27.4% | $10,608-18.6% | $5,650+52.9% |