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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 | $47,762 | $54,357-12.1% | $82,706-42.3% | $68,495-30.3% |
| Participation rate | 56.4% | 63.9%-7.5pp | 72.6%-16.1pp | 67.9%-11.5pp |
| Annual return | -19.63% | -13.67%-6.0pp | 701.76%-721.4pp | -7.84%-11.8pp |
| Employer contribution / active EE | $1,535 | $2,218-30.8% | $3,007-49.0% | $2,596-40.9% |
| Participant deferral / active EE | $6,870 | $3,246+111.6% | $4,394+56.4% | $4,028+70.6% |
| Admin fee / account holder | $1,235 | $4,396-71.9% | $5,329-76.8% | $5,403-77.2% |