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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 | $32,371 | $45,566-29.0% | $64,105-49.5% | $59,633-45.7% |
| Participation rate | 54.1% | 60.2%-6.1pp | 68.2%-14.1pp | 68.7%-14.6pp |
| Annual return | -2.85% | 4.95%-7.8pp | 791.24%-794.1pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $148 | $934-84.1% | $1,820-91.9% | $2,203-93.3% |
| Participant deferral / active EE | $2,465 | $2,057+19.8% | $2,822-12.6% | $3,192-22.8% |
| Admin fee / account holder | $2,659 | $3,268-18.6% | $4,499-40.9% | $4,297-38.1% |