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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 | $39,052 | $66,302-41.1% | $110,243-64.6% | $56,289-30.6% |
| Participation rate | 49.6% | 74.9%-25.3pp | 79.8%-30.2pp | 69.9%-20.3pp |
| Annual return | -9.71% | -1.18%-8.5pp | 314.76%-324.5pp | -9.96%+0.2pp |
| Employer contribution / active EE | $1,852 | $2,047-9.6% | $3,827-51.6% | $2,111-12.3% |
| Participant deferral / active EE | $2,832 | $3,381-16.3% | $4,672-39.4% | $3,350-15.5% |
| Admin fee / account holder | $2,227 | $698+218.9% | $8,548-73.9% | $521+327.5% |