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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 | $60,780 | $43,730+39.0% | $121,208-49.9% | $64,181-5.3% |
| Participation rate | 28.4% | 58.3%-30.0pp | 71.8%-43.4pp | 69.6%-41.2pp |
| Annual return | -10.56% | 68.94%-79.5pp | 16.93%-27.5pp | 7.63%-18.2pp |
| Employer contribution / active EE | $754 | $1,297-41.8% | $4,023-81.3% | $2,381-68.3% |
| Participant deferral / active EE | $1,194 | $2,281-47.6% | $3,345-64.3% | $3,470-65.6% |
| Admin fee / account holder | $1,538 | $3,502-56.1% | $5,020-69.4% | $4,887-68.5% |