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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 | $22,559 | $57,352-60.7% | $83,830-73.1% | $64,173-64.8% |
| Participation rate | 58.3% | 68.6%-10.3pp | 76.1%-17.8pp | 69.6%-11.2pp |
| Annual return | -14.29% | 11.38%-25.7pp | 850.97%-865.3pp | 7.63%-21.9pp |
| Employer contribution / active EE | $1,866 | $2,546-26.7% | $3,631-48.6% | $2,381-21.6% |
| Participant deferral / active EE | $3,637 | $2,993+21.5% | $4,082-10.9% | $3,470+4.8% |
| Admin fee / account holder | $1,525 | $4,046-62.3% | $5,479-72.2% | $4,887-68.8% |