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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 | $43,428 | $29,670+46.4% | $56,054-22.5% | $80,911-46.3% |
| Participation rate | 39.4% | 41.7%-2.3pp | 52.5%-13.1pp | 67.6%-28.3pp |
| Annual return | -6.03% | 35.24%-41.3pp | 1705.95%-1712.0pp | 35.63%-41.7pp |
| Employer contribution / active EE | $1,256 | $670+87.6% | $1,039+20.9% | $2,756-54.4% |
| Participant deferral / active EE | $4,239 | $1,227+245.5% | $1,952+117.1% | $4,297-1.4% |
| Admin fee / account holder | $904 | $2,431-62.8% | $2,822-68.0% | $6,935-87.0% |