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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 | $64,759 | $43,730+48.1% | $121,220-46.6% | $64,173+0.9% |
| Participation rate | 38.5% | 58.3%-19.9pp | 71.8%-33.3pp | 69.6%-31.1pp |
| Annual return | -10.08% | 68.94%-79.0pp | 16.94%-27.0pp | 7.63%-17.7pp |
| Employer contribution / active EE | $858 | $1,297-33.8% | $4,023-78.7% | $2,381-64.0% |
| Participant deferral / active EE | $1,083 | $2,281-52.5% | $3,345-67.6% | $3,470-68.8% |
| Admin fee / account holder | $4,985 | $3,502+42.3% | $5,021-0.7% | $4,887+2.0% |