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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 | $19,551 | $133,998-85.4% | $112,263-82.6% | $134,545-85.5% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -21.93% | 47.17%-69.1pp | 27.49%-49.4pp | 418.37%-440.3pp |
| Employer contribution / active EE | $3,369 | $4,040-16.6% | $3,636-7.4% | $4,742-29.0% |
| Participant deferral / active EE | $5,169 | $5,292-2.3% | $4,729+9.3% | $6,401-19.2% |
| Admin fee / account holder | $6,454 | $7,493-13.9% | $6,410+0.7% | $11,431-43.5% |