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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 | $37,527 | $45,566-17.6% | $64,105-41.5% | $59,633-37.1% |
| Participation rate | 65.8% | 60.2%+5.6pp | 68.2%-2.4pp | 68.7%-2.9pp |
| Annual return | -3.20% | 4.95%-8.2pp | 791.24%-794.4pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $832 | $934-11.0% | $1,820-54.3% | $2,203-62.2% |
| Participant deferral / active EE | $2,091 | $2,057+1.6% | $2,822-25.9% | $3,192-34.5% |
| Admin fee / account holder | $1,340 | $3,268-59.0% | $4,499-70.2% | $4,297-68.8% |