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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 | $65,691 | $72,404-9.3% | $110,243-40.4% | $64,173+2.4% |
| Participation rate | 23.8% | 73.3%-49.5pp | 79.8%-56.0pp | 69.6%-45.8pp |
| Annual return | -9.50% | -6.29%-3.2pp | 314.76%-324.3pp | 7.63%-17.1pp |
| Employer contribution / active EE | $1,038 | $2,282-54.5% | $3,827-72.9% | $2,381-56.4% |
| Participant deferral / active EE | $1,778 | $3,469-48.7% | $4,672-61.9% | $3,470-48.7% |
| Admin fee / account holder | $1,311 | $5,664-76.9% | $8,548-84.7% | $4,887-73.2% |