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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 | $41,012 | $82,674-50.4% | $125,381-67.3% | $68,486-40.1% |
| Participation rate | 51.5% | 75.1%-23.6pp | 82.4%-30.9pp | 67.9%-16.4pp |
| Annual return | -19.73% | -5.97%-13.8pp | 572.31%-592.0pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,107 | $3,382-67.3% | $4,815-77.0% | $2,597-57.4% |
| Participant deferral / active EE | $4,221 | $6,111-30.9% | $7,448-43.3% | $4,028+4.8% |
| Admin fee / account holder | $2,869 | $6,277-54.3% | $10,007-71.3% | $5,404-46.9% |