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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 | $49,371 | $57,352-13.9% | $83,830-41.1% | $64,173-23.1% |
| Participation rate | 36.0% | 68.6%-32.6pp | 76.1%-40.1pp | 69.6%-33.6pp |
| Annual return | -15.88% | 11.38%-27.3pp | 850.97%-866.8pp | 7.63%-23.5pp |
| Employer contribution / active EE | $1,491 | $2,546-41.4% | $3,631-58.9% | $2,381-37.4% |
| Participant deferral / active EE | $2,751 | $2,993-8.1% | $4,082-32.6% | $3,470-20.7% |
| Admin fee / account holder | $7,906 | $4,046+95.4% | $5,479+44.3% | $4,887+61.8% |