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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 | $56,428 | $49,177+14.7% | $79,466-29.0% | $64,173-12.1% |
| Participation rate | 41.4% | 65.0%-23.7pp | 73.3%-32.0pp | 69.6%-28.2pp |
| Annual return | -12.44% | -1.16%-11.3pp | 718.28%-730.7pp | 7.63%-20.1pp |
| Employer contribution / active EE | $2,142 | $2,076+3.2% | $2,800-23.5% | $2,381-10.0% |
| Participant deferral / active EE | $3,931 | $2,821+39.3% | $3,704+6.1% | $3,470+13.3% |
| Admin fee / account holder | $1,530 | $3,839-60.2% | $5,104-70.0% | $4,887-68.7% |