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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 | $34,553 | $42,383-18.5% | $76,518-54.8% | $64,173-46.2% |
| Participation rate | 33.3% | 58.1%-24.8pp | 68.0%-34.7pp | 69.6%-36.2pp |
| Annual return | -9.47% | -16.54%+7.1pp | -0.27%-9.2pp | 7.63%-17.1pp |
| Employer contribution / active EE | $1,018 | $1,563-34.9% | $2,647-61.5% | $2,381-57.2% |
| Participant deferral / active EE | $2,595 | $2,566+1.1% | $3,836-32.3% | $3,470-25.2% |
| Admin fee / account holder | $442 | $3,198-86.2% | $4,849-90.9% | $4,887-91.0% |