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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 | $39,716 | $133,981-70.4% | $112,249-64.6% | $134,532-70.5% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -23.77% | 47.16%-70.9pp | 27.48%-51.3pp | 418.27%-442.0pp |
| Employer contribution / active EE | $1,346 | $4,040-66.7% | $3,636-63.0% | $4,741-71.6% |
| Participant deferral / active EE | $1,846 | $5,292-65.1% | $4,729-61.0% | $6,401-71.2% |
| Admin fee / account holder | $754 | $7,492-89.9% | $6,412-88.2% | $11,429-93.4% |