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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 | $30,787 | $65,704-53.1% | $94,229-67.3% | $59,633-48.4% |
| Participation rate | 50.0% | 72.1%-22.1pp | 78.8%-28.8pp | 68.7%-18.7pp |
| Annual return | -4.91% | 5.22%-10.1pp | 10.68%-15.6pp | 2041.45%-2046.4pp |
| Employer contribution / active EE | $1,405 | $2,021-30.5% | $3,587-60.8% | $2,203-36.2% |
| Participant deferral / active EE | $3,224 | $3,143+2.6% | $4,320-25.4% | $3,192+1.0% |
| Admin fee / account holder | $1,243 | $4,265-70.8% | $6,269-80.2% | $4,297-71.1% |