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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 | $37,361 | $54,357-31.3% | $82,706-54.8% | $68,495-45.5% |
| Participation rate | 35.0% | 63.9%-28.9pp | 72.6%-37.6pp | 67.9%-32.9pp |
| Annual return | -21.92% | -13.67%-8.2pp | 701.76%-723.7pp | -7.84%-14.1pp |
| Employer contribution / active EE | $1,618 | $2,218-27.0% | $3,007-46.2% | $2,596-37.7% |
| Participant deferral / active EE | $4,611 | $3,246+42.0% | $4,394+5.0% | $4,028+14.5% |
| Admin fee / account holder | $1,179 | $4,396-73.2% | $5,329-77.9% | $5,403-78.2% |