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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 | $56,824 | $72,404-21.5% | $110,243-48.5% | $64,173-11.5% |
| Participation rate | 55.9% | 73.3%-17.4pp | 79.8%-23.9pp | 69.6%-13.7pp |
| Annual return | -7.97% | -6.29%-1.7pp | 314.76%-322.7pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,396 | $2,282-38.8% | $3,827-63.5% | $2,381-41.4% |
| Participant deferral / active EE | $2,073 | $3,469-40.2% | $4,672-55.6% | $3,470-40.2% |
| Admin fee / account holder | $1,025 | $5,664-81.9% | $8,548-88.0% | $4,887-79.0% |