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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 | $74,685 | $95,915-22.1% | $79,580-6.2% | $134,532-44.5% |
| Participation rate | 50.0% | 75.0%-25.0pp | 69.5%-19.5pp | 81.2%-31.2pp |
| Annual return | -23.98% | -2.71%-21.3pp | 0.15%-24.1pp | 418.27%-442.2pp |
| Employer contribution / active EE | $793 | $3,129-74.7% | $2,413-67.2% | $4,741-83.3% |
| Participant deferral / active EE | $5,840 | $4,693+24.4% | $3,985+46.5% | $6,401-8.8% |
| Admin fee / account holder | $1,539 | $9,132-83.2% | $6,835-77.5% | $11,429-86.5% |