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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 | $37,268 | $100,805-63.0% | $86,698-57.0% | $134,532-72.3% |
| Participation rate | 42.9% | 79.0%-36.1pp | 76.6%-33.7pp | 81.2%-38.4pp |
| Annual return | -21.72% | 29.09%-50.8pp | 35.95%-57.7pp | 418.27%-440.0pp |
| Employer contribution / active EE | $1,138 | $3,490-67.4% | $2,837-59.9% | $4,741-76.0% |
| Participant deferral / active EE | $3,021 | $5,339-43.4% | $4,656-35.1% | $6,401-52.8% |
| Admin fee / account holder | $4,661 | $10,925-57.3% | $7,493-37.8% | $11,429-59.2% |