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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 | $53,218 | $133,998-60.3% | $112,263-52.6% | $134,545-60.4% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -21.60% | 47.17%-68.8pp | 27.49%-49.1pp | 418.37%-440.0pp |
| Employer contribution / active EE | $1,539 | $4,040-61.9% | $3,636-57.7% | $4,742-67.5% |
| Participant deferral / active EE | $4,897 | $5,292-7.5% | $4,729+3.5% | $6,401-23.5% |
| Admin fee / account holder | $12,963 | $7,493+73.0% | $6,410+102.2% | $11,431+13.4% |