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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 | $45,531 | $82,674-44.9% | $125,381-63.7% | $68,486-33.5% |
| Participation rate | 48.0% | 75.1%-27.1pp | 82.4%-34.4pp | 67.9%-19.9pp |
| Annual return | -19.43% | -5.97%-13.5pp | 572.31%-591.7pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,935 | $3,382-42.8% | $4,815-59.8% | $2,597-25.5% |
| Participant deferral / active EE | $5,492 | $6,111-10.1% | $7,448-26.3% | $4,028+36.4% |
| Admin fee / account holder | $1,415 | $6,277-77.5% | $10,007-85.9% | $5,404-73.8% |