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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 | $77,374 | $87,546-11.6% | $75,784+2.1% | $125,389-38.3% |
| Participation rate | 33.3% | 80.2%-46.8pp | 75.8%-42.5pp | 83.2%-49.9pp |
| Annual return | -3.87% | 13.49%-17.4pp | 9.68%-13.5pp | 282.24%-286.1pp |
| Employer contribution / active EE | $1,239 | $3,930-68.5% | $3,323-62.7% | $4,866-74.5% |
| Participant deferral / active EE | $1,798 | $4,230-57.5% | $3,652-50.8% | $5,352-66.4% |
| Admin fee / account holder | $861 | $6,503-86.8% | $5,300-83.8% | $9,541-91.0% |