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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 | $47,139 | $82,674-43.0% | $125,363-62.4% | $68,495-31.2% |
| Participation rate | 69.6% | 75.0%-5.5pp | 82.4%-12.8pp | 67.9%+1.7pp |
| Annual return | -19.77% | -5.97%-13.8pp | 572.15%-591.9pp | -7.84%-11.9pp |
| Employer contribution / active EE | $1,139 | $3,382-66.3% | $4,815-76.3% | $2,596-56.1% |
| Participant deferral / active EE | $4,544 | $6,111-25.6% | $7,447-39.0% | $4,028+12.8% |
| Admin fee / account holder | $3,145 | $6,276-49.9% | $10,005-68.6% | $5,403-41.8% |