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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 | $54,265 | $75,962-28.6% | $154,108-64.8% | $64,173-15.4% |
| Participation rate | 58.8% | 70.4%-11.6pp | 83.0%-24.2pp | 69.6%-10.7pp |
| Annual return | -8.59% | 30.32%-38.9pp | 735.21%-743.8pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,265 | $3,350-62.2% | $5,298-76.1% | $2,381-46.9% |
| Participant deferral / active EE | $2,705 | $3,175-14.8% | $5,081-46.8% | $3,470-22.0% |
| Admin fee / account holder | $1,003 | $5,589-82.1% | $13,411-92.5% | $4,887-79.5% |