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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 | $26,175 | $42,396-38.3% | $67,313-61.1% | $56,287-53.5% |
| Participation rate | 32.8% | 61.0%-28.2pp | 69.1%-36.3pp | 69.9%-37.1pp |
| Annual return | -7.75% | -36.63%+28.9pp | -4.08%-3.7pp | -9.96%+2.2pp |
| Employer contribution / active EE | $1,003 | $1,414-29.0% | $2,566-60.9% | $2,111-52.5% |
| Participant deferral / active EE | $1,522 | $2,360-35.5% | $3,568-57.3% | $3,350-54.6% |
| Admin fee / account holder | $1,153 | $510+126.3% | $4,507-74.4% | $521+121.4% |