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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 | $26,582 | $133,998-80.2% | $112,263-76.3% | $134,545-80.2% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -26.40% | 47.17%-73.6pp | 27.49%-53.9pp | 418.37%-444.8pp |
| Employer contribution / active EE | $1,034 | $4,040-74.4% | $3,636-71.6% | $4,742-78.2% |
| Participant deferral / active EE | $8,040 | $5,292+51.9% | $4,729+70.0% | $6,401+25.6% |
| Admin fee / account holder | $632 | $7,493-91.6% | $6,410-90.1% | $11,431-94.5% |