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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 | $39,280 | $106,247-63.0% | $96,515-59.3% | $139,466-71.8% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | -5.18% | 38.47%-43.6pp | 35.73%-40.9pp | 373.66%-378.8pp |
| Employer contribution / active EE | $2,957 | $4,106-28.0% | $3,740-20.9% | $4,754-37.8% |
| Participant deferral / active EE | $8,843 | $5,456+62.1% | $4,880+81.2% | $6,712+31.8% |
| Admin fee / account holder | $16,981 | $7,885+115.4% | $6,735+152.1% | $11,409+48.8% |