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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 | $39,110 | $57,352-31.8% | $83,830-53.3% | $64,173-39.1% |
| Participation rate | 43.6% | 68.6%-25.0pp | 76.1%-32.6pp | 69.6%-26.0pp |
| Annual return | -10.07% | 11.38%-21.5pp | 850.97%-861.0pp | 7.63%-17.7pp |
| Employer contribution / active EE | $1,255 | $2,546-50.7% | $3,631-65.4% | $2,381-47.3% |
| Participant deferral / active EE | $1,761 | $2,993-41.2% | $4,082-56.9% | $3,470-49.3% |
| Admin fee / account holder | $656 | $4,046-83.8% | $5,479-88.0% | $4,887-86.6% |