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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 | $37,614 | $43,730-14.0% | $121,220-69.0% | $64,173-41.4% |
| Participation rate | 40.6% | 58.3%-17.8pp | 71.8%-31.2pp | 69.6%-29.0pp |
| Annual return | -8.80% | 68.94%-77.7pp | 16.94%-25.7pp | 7.63%-16.4pp |
| Employer contribution / active EE | $746 | $1,297-42.5% | $4,023-81.5% | $2,381-68.7% |
| Participant deferral / active EE | $1,691 | $2,281-25.8% | $3,345-49.4% | $3,470-51.3% |
| Admin fee / account holder | $539 | $3,502-84.6% | $5,021-89.3% | $4,887-89.0% |