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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 | $28,552 | $81,870-65.1% | $119,622-76.1% | $68,486-58.3% |
| Participation rate | 25.4% | 71.9%-46.5pp | 79.3%-53.9pp | 67.9%-42.5pp |
| Annual return | -20.48% | -23.82%+3.3pp | -14.98%-5.5pp | -7.85%-12.6pp |
| Employer contribution / active EE | $916 | $2,692-66.0% | $4,232-78.4% | $2,597-64.7% |
| Participant deferral / active EE | $2,137 | $4,148-48.5% | $5,601-61.8% | $4,028-46.9% |
| Admin fee / account holder | $1,108 | $6,583-83.2% | $10,328-89.3% | $5,404-79.5% |