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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 | $58,418 | $94,031-37.9% | $115,768-49.5% | $82,448-29.1% |
| Participation rate | 25.8% | 70.4%-44.6pp | 74.4%-48.6pp | 68.1%-42.3pp |
| Annual return | -0.07% | 20.61%-20.7pp | 100.46%-100.5pp | 41.64%-41.7pp |
| Employer contribution / active EE | $828 | $2,323-64.4% | $2,940-71.8% | $2,551-67.5% |
| Participant deferral / active EE | $2,910 | $3,972-26.7% | $4,917-40.8% | $4,139-29.7% |
| Admin fee / account holder | $3,242 | $10,249-68.4% | $12,439-73.9% | $7,234-55.2% |