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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 | $41,591 | $59,107-29.6% | $86,439-51.9% | $68,495-39.3% |
| Participation rate | 53.3% | 75.2%-21.9pp | 80.3%-27.0pp | 67.9%-14.6pp |
| Annual return | -19.92% | -0.23%-19.7pp | 4395.55%-4415.5pp | -7.84%-12.1pp |
| Employer contribution / active EE | $1,369 | $2,519-45.7% | $3,769-63.7% | $2,596-47.3% |
| Participant deferral / active EE | $2,863 | $5,901-51.5% | $6,952-58.8% | $4,028-28.9% |
| Admin fee / account holder | $5,246 | $5,637-6.9% | $6,732-22.1% | $5,403-2.9% |