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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 | $40,049 | $42,546-5.9% | $71,796-44.2% | $55,167-27.4% |
| Participation rate | 64.1% | 59.1%+4.9pp | 69.1%-5.0pp | 69.0%-4.9pp |
| Annual return | -2.38% | 12.36%-14.7pp | 78.04%-80.4pp | 169.23%-171.6pp |
| Employer contribution / active EE | $668 | $803-16.9% | $1,924-65.3% | $1,963-66.0% |
| Participant deferral / active EE | $1,993 | $2,064-3.5% | $2,794-28.7% | $3,054-34.8% |
| Admin fee / account holder | $2,694 | $650+314.6% | $4,815-44.1% | $504+434.6% |