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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 | $32,990 | $133,981-75.4% | $112,249-70.6% | $134,532-75.5% |
| Participation rate | 55.0% | 78.6%-23.6pp | 75.1%-20.1pp | 81.2%-26.2pp |
| Annual return | -22.79% | 47.16%-70.0pp | 27.48%-50.3pp | 418.27%-441.1pp |
| Employer contribution / active EE | $2,087 | $4,040-48.3% | $3,636-42.6% | $4,741-56.0% |
| Participant deferral / active EE | $5,719 | $5,292+8.1% | $4,729+20.9% | $6,401-10.6% |
| Admin fee / account holder | $533 | $7,492-92.9% | $6,412-91.7% | $11,429-95.3% |