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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 | $13,088 | $48,053-72.8% | $84,637-84.5% | $72,976-82.1% |
| Participation rate | 37.8% | 57.6%-19.8pp | 68.2%-30.5pp | 69.5%-31.7pp |
| Annual return | -0.59% | 37.39%-38.0pp | 258.82%-259.4pp | 81.02%-81.6pp |
| Employer contribution / active EE | $1,068 | $1,602-33.3% | $2,653-59.8% | $2,440-56.2% |
| Participant deferral / active EE | $2,388 | $2,681-10.9% | $3,900-38.8% | $3,608-33.8% |
| Admin fee / account holder | $5,946 | $3,395+75.1% | $4,914+21.0% | $5,124+16.0% |