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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 | $40,787 | $72,404-43.7% | $110,243-63.0% | $64,173-36.4% |
| Participation rate | 58.0% | 73.3%-15.3pp | 79.8%-21.8pp | 69.6%-11.5pp |
| Annual return | -9.17% | -6.29%-2.9pp | 314.76%-323.9pp | 7.63%-16.8pp |
| Employer contribution / active EE | $1,434 | $2,282-37.1% | $3,827-62.5% | $2,381-39.8% |
| Participant deferral / active EE | $2,313 | $3,469-33.3% | $4,672-50.5% | $3,470-33.3% |
| Admin fee / account holder | $785 | $5,664-86.1% | $8,548-90.8% | $4,887-83.9% |