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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 | $48,453 | $112,300-56.9% | $90,223-46.3% | $125,389-61.4% |
| Participation rate | 33.3% | 82.9%-49.5pp | 79.0%-45.7pp | 83.2%-49.9pp |
| Annual return | -6.56% | -0.57%-6.0pp | 1.31%-7.9pp | 282.24%-288.8pp |
| Employer contribution / active EE | $1,332 | $5,181-74.3% | $4,378-69.6% | $4,866-72.6% |
| Participant deferral / active EE | $2,519 | $6,733-62.6% | $5,792-56.5% | $5,352-52.9% |
| Admin fee / account holder | $1,398 | $10,990-87.3% | $7,406-81.1% | $9,541-85.3% |