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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 | $54,412 | $133,981-59.4% | $112,249-51.5% | $134,532-59.6% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -20.72% | 47.16%-67.9pp | 27.48%-48.2pp | 418.27%-439.0pp |
| Employer contribution / active EE | $1,208 | $4,040-70.1% | $3,636-66.8% | $4,741-74.5% |
| Participant deferral / active EE | $4,067 | $5,292-23.2% | $4,729-14.0% | $6,401-36.5% |
| Admin fee / account holder | $1,563 | $7,492-79.1% | $6,412-75.6% | $11,429-86.3% |