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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 | $147,274 | $165,361-10.9% | $149,715-1.6% | $158,950-7.3% |
| Participation rate | 55.6% | 84.6%-29.0pp | 82.5%-26.9pp | 82.0%-26.4pp |
| Annual return | -8.42% | 348.24%-356.7pp | 276.66%-285.1pp | 302.91%-311.3pp |
| Employer contribution / active EE | $1,364 | $5,103-73.3% | $4,645-70.6% | $4,762-71.4% |
| Participant deferral / active EE | $3,711 | $7,182-48.3% | $6,842-45.8% | $5,983-38.0% |
| Admin fee / account holder | $828 | $10,808-92.3% | $9,310-91.1% | $11,248-92.6% |