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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 | $44,296 | $82,678-46.4% | $125,391-64.7% | $68,490-35.3% |
| Participation rate | 40.0% | 75.1%-35.1pp | 82.4%-42.4pp | 67.9%-27.9pp |
| Annual return | -20.22% | -5.97%-14.3pp | 572.41%-592.6pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,109 | $3,382-67.2% | $4,816-77.0% | $2,597-57.3% |
| Participant deferral / active EE | $5,479 | $6,111-10.3% | $7,448-26.4% | $4,028+36.0% |
| Admin fee / account holder | $1,705 | $6,277-72.8% | $10,009-83.0% | $5,403-68.5% |