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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 | $25,668 | $82,678-69.0% | $125,391-79.5% | $68,490-62.5% |
| Participation rate | 48.0% | 75.1%-27.1pp | 82.4%-34.4pp | 67.9%-19.9pp |
| Annual return | -21.65% | -5.97%-15.7pp | 572.41%-594.1pp | -7.85%-13.8pp |
| Employer contribution / active EE | $2,008 | $3,382-40.6% | $4,816-58.3% | $2,597-22.7% |
| Participant deferral / active EE | $4,956 | $6,111-18.9% | $7,448-33.5% | $4,028+23.0% |
| Admin fee / account holder | $3,552 | $6,277-43.4% | $10,009-64.5% | $5,403-34.2% |