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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 | $38,938 | $91,037-57.2% | $71,671-45.7% | $147,586-73.6% |
| Participation rate | 26.3% | 76.1%-49.8pp | 68.7%-42.4pp | 82.8%-56.5pp |
| Annual return | -18.17% | 20.48%-38.6pp | 20.65%-38.8pp | 578.59%-596.8pp |
| Employer contribution / active EE | $2,610 | $3,327-21.6% | $2,460+6.1% | $4,876-46.5% |
| Participant deferral / active EE | $4,041 | $4,498-10.2% | $3,438+17.5% | $5,439-25.7% |
| Admin fee / account holder | $991 | $8,613-88.5% | $5,558-82.2% | $10,886-90.9% |