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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 | $30,424 | $53,546-43.2% | $69,884-56.5% | $68,486-55.6% |
| Participation rate | 33.3% | 64.5%-31.2pp | 70.5%-37.1pp | 67.9%-34.6pp |
| Annual return | -20.13% | -13.87%-6.3pp | 190.81%-210.9pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,171 | $2,019-42.0% | $2,560-54.3% | $2,597-54.9% |
| Participant deferral / active EE | $2,714 | $2,957-8.2% | $3,848-29.5% | $4,028-32.6% |
| Admin fee / account holder | $5,492 | $4,693+17.0% | $6,266-12.4% | $5,404+1.6% |