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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 | $66,350 | $131,835-49.7% | $108,582-38.9% | $273,972-75.8% |
| Participation rate | 47.6% | 83.5%-35.8pp | 79.6%-32.0pp | 83.0%-35.4pp |
| Annual return | 1.50% | -91.57%+93.1pp | -51.70%+53.2pp | 41.46%-40.0pp |
| Employer contribution / active EE | $1,403 | $4,913-71.5% | $3,758-62.7% | $4,869-71.2% |
| Participant deferral / active EE | $2,966 | $5,127-42.2% | $4,311-31.2% | $5,287-43.9% |
| Admin fee / account holder | $1,684 | $10,253-83.6% | $7,645-78.0% | $10,133-83.4% |