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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 | $44,762 | $102,385-56.3% | $147,080-69.6% | $80,935-44.7% |
| Participation rate | 52.6% | 75.9%-23.2pp | 82.2%-29.6pp | 67.7%-15.0pp |
| Annual return | 0.47% | 135.09%-134.6pp | 420.17%-419.7pp | 35.66%-35.2pp |
| Employer contribution / active EE | $1,574 | $3,717-57.7% | $4,933-68.1% | $2,757-42.9% |
| Participant deferral / active EE | $3,244 | $6,651-51.2% | $8,066-59.8% | $4,299-24.5% |
| Admin fee / account holder | $1,940 | $7,951-75.6% | $12,989-85.1% | $6,924-72.0% |