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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 | $38,136 | $124,314-69.3% | $109,163-65.1% | $167,518-77.2% |
| Participation rate | 61.5% | 79.4%-17.9pp | 75.9%-14.3pp | 82.1%-20.6pp |
| Annual return | -1.87% | 26.04%-27.9pp | 25.75%-27.6pp | 478.71%-480.6pp |
| Employer contribution / active EE | $3,770 | $4,209-10.4% | $3,723+1.3% | $4,838-22.1% |
| Participant deferral / active EE | $0 | $5,256-100.0% | $4,654-100.0% | $6,342-100.0% |
| Admin fee / account holder | $6,185 | $7,973-22.4% | $6,754-8.4% | $12,312-49.8% |