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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 | $40,872 | $52,519-22.2% | $155,789-73.8% | $59,633-31.5% |
| Participation rate | 40.0% | 61.7%-21.7pp | 76.1%-36.1pp | 68.7%-28.7pp |
| Annual return | -2.86% | 53.51%-56.4pp | 71.54%-74.4pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,199 | $1,589-24.6% | $3,839-68.8% | $2,203-45.6% |
| Participant deferral / active EE | $2,851 | $3,084-7.6% | $4,798-40.6% | $3,192-10.7% |
| Admin fee / account holder | $2,074 | $3,540-41.4% | $7,477-72.3% | $4,297-51.7% |