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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 | $40,053 | $57,352-30.2% | $83,830-52.2% | $64,173-37.6% |
| Participation rate | 69.2% | 68.6%+0.6pp | 76.1%-6.9pp | 69.6%-0.3pp |
| Annual return | -13.99% | 11.38%-25.4pp | 850.97%-865.0pp | 7.63%-21.6pp |
| Employer contribution / active EE | $1,383 | $2,546-45.7% | $3,631-61.9% | $2,381-41.9% |
| Participant deferral / active EE | $2,406 | $2,993-19.6% | $4,082-41.0% | $3,470-30.6% |
| Admin fee / account holder | $1,550 | $4,046-61.7% | $5,479-71.7% | $4,887-68.3% |