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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 | $47,809 | $61,789-22.6% | $97,167-50.8% | $80,874-40.9% |
| Participation rate | 68.4% | 63.5%+4.9pp | 72.7%-4.3pp | 67.6%+0.8pp |
| Annual return | 1.21% | -557.90%+559.1pp | 75.27%-74.1pp | 35.62%-34.4pp |
| Employer contribution / active EE | $7,783 | $1,837+323.8% | $2,729+185.2% | $2,756+182.4% |
| Participant deferral / active EE | $3,755 | $3,028+24.0% | $4,264-11.9% | $4,297-12.6% |
| Admin fee / account holder | $1,146 | $5,168-77.8% | $5,650-79.7% | $6,935-83.5% |