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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 | $45,969 | $57,352-19.8% | $83,831-45.2% | $64,173-28.4% |
| Participation rate | 48.9% | 68.6%-19.7pp | 76.1%-27.2pp | 69.6%-20.6pp |
| Annual return | -8.79% | 11.38%-20.2pp | 850.99%-859.8pp | 7.63%-16.4pp |
| Employer contribution / active EE | $1,502 | $2,546-41.0% | $3,631-58.6% | $2,381-36.9% |
| Participant deferral / active EE | $2,855 | $2,993-4.6% | $4,082-30.1% | $3,470-17.7% |
| Admin fee / account holder | $4,978 | $4,046+23.0% | $5,479-9.1% | $4,887+1.9% |