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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 | $28,763 | $49,177-41.5% | $79,466-63.8% | $64,173-55.2% |
| Participation rate | 55.4% | 65.0%-9.7pp | 73.3%-18.0pp | 69.6%-14.2pp |
| Annual return | -11.23% | -1.16%-10.1pp | 718.28%-729.5pp | 7.63%-18.9pp |
| Employer contribution / active EE | $1,006 | $2,076-51.5% | $2,800-64.1% | $2,381-57.7% |
| Participant deferral / active EE | $4,024 | $2,821+42.6% | $3,704+8.6% | $3,470+16.0% |
| Admin fee / account holder | $4,316 | $3,839+12.4% | $5,104-15.4% | $4,887-11.7% |