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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 | $20,887 | $142,392-85.3% | $119,622-82.5% | $134,532-84.5% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -32.73% | -12.46%-20.3pp | -14.98%-17.7pp | 418.27%-451.0pp |
| Employer contribution / active EE | $1,768 | $5,224-66.2% | $4,232-58.2% | $4,741-62.7% |
| Participant deferral / active EE | $2,640 | $6,467-59.2% | $5,601-52.9% | $6,401-58.8% |
| Admin fee / account holder | $3,368 | $13,593-75.2% | $10,328-67.4% | $11,429-70.5% |