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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 | $37,621 | $53,546-29.7% | $69,884-46.2% | $68,486-45.1% |
| Participation rate | 21.1% | 64.5%-43.5pp | 70.5%-49.4pp | 67.9%-46.8pp |
| Annual return | -23.15% | -13.87%-9.3pp | 190.81%-214.0pp | -7.85%-15.3pp |
| Employer contribution / active EE | $695 | $2,019-65.6% | $2,560-72.9% | $2,597-73.2% |
| Participant deferral / active EE | $1,097 | $2,957-62.9% | $3,848-71.5% | $4,028-72.8% |
| Admin fee / account holder | $3,072 | $4,693-34.5% | $6,266-51.0% | $5,404-43.2% |