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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 | $33,423 | $43,730-23.6% | $121,220-72.4% | $64,173-47.9% |
| Participation rate | 48.9% | 58.3%-9.4pp | 71.8%-22.8pp | 69.6%-20.6pp |
| Annual return | -8.38% | 68.94%-77.3pp | 16.94%-25.3pp | 7.63%-16.0pp |
| Employer contribution / active EE | $564 | $1,297-56.5% | $4,023-86.0% | $2,381-76.3% |
| Participant deferral / active EE | $929 | $2,281-59.3% | $3,345-72.2% | $3,470-73.2% |
| Admin fee / account holder | $2,647 | $3,502-24.4% | $5,021-47.3% | $4,887-45.8% |