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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 | $34,141 | $45,283-24.6% | $155,789-78.1% | $52,331-34.8% |
| Participation rate | 35.3% | 62.2%-26.9pp | 76.1%-40.8pp | 68.1%-32.8pp |
| Annual return | -3.89% | 1.80%-5.7pp | 71.54%-75.4pp | 4.54%-8.4pp |
| Employer contribution / active EE | $2,737 | $1,329+105.9% | $3,839-28.7% | $1,882+45.4% |
| Participant deferral / active EE | $2,892 | $2,854+1.3% | $4,798-39.7% | $3,022-4.3% |
| Admin fee / account holder | $5,895 | $981+501.0% | $7,477-21.2% | $592+896.5% |