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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 | $43,240 | $134,001-67.7% | $112,258-61.5% | $134,509-67.9% |
| Participation rate | 30.0% | 78.6%-48.6pp | 75.1%-45.1pp | 81.2%-51.2pp |
| Annual return | -20.82% | 47.15%-68.0pp | 27.47%-48.3pp | 418.13%-439.0pp |
| Employer contribution / active EE | $1,180 | $4,039-70.8% | $3,636-67.5% | $4,741-75.1% |
| Participant deferral / active EE | $2,238 | $5,291-57.7% | $4,728-52.7% | $6,400-65.0% |
| Admin fee / account holder | $6,275 | $7,491-16.2% | $6,411-2.1% | $11,427-45.1% |