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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 | $45,453 | $54,357-16.4% | $82,706-45.0% | $68,495-33.6% |
| Participation rate | 60.0% | 63.9%-3.9pp | 72.6%-12.6pp | 67.9%-7.9pp |
| Annual return | -20.30% | -13.67%-6.6pp | 701.76%-722.1pp | -7.84%-12.5pp |
| Employer contribution / active EE | $1,220 | $2,218-45.0% | $3,007-59.4% | $2,596-53.0% |
| Participant deferral / active EE | $2,017 | $3,246-37.9% | $4,394-54.1% | $4,028-49.9% |
| Admin fee / account holder | $478 | $4,396-89.1% | $5,329-91.0% | $5,403-91.2% |