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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 | $40,404 | $54,370-25.7% | $82,763-51.2% | $68,490-41.0% |
| Participation rate | 41.4% | 63.9%-22.5pp | 72.6%-31.2pp | 67.9%-26.5pp |
| Annual return | -21.39% | -13.67%-7.7pp | 702.45%-723.8pp | -7.85%-13.5pp |
| Employer contribution / active EE | $1,157 | $2,219-47.9% | $3,008-61.5% | $2,597-55.4% |
| Participant deferral / active EE | $3,100 | $3,247-4.5% | $4,395-29.5% | $4,028-23.0% |
| Admin fee / account holder | $421 | $4,398-90.4% | $5,325-92.1% | $5,403-92.2% |