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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 | $28,201 | $81,870-65.6% | $119,622-76.4% | $68,486-58.8% |
| Participation rate | 60.0% | 71.9%-11.9pp | 79.3%-19.3pp | 67.9%-7.9pp |
| Annual return | -23.21% | -23.82%+0.6pp | -14.98%-8.2pp | -7.85%-15.4pp |
| Employer contribution / active EE | $1,080 | $2,692-59.9% | $4,232-74.5% | $2,597-58.4% |
| Participant deferral / active EE | $6,849 | $4,148+65.1% | $5,601+22.3% | $4,028+70.1% |
| Admin fee / account holder | $1,730 | $6,583-73.7% | $10,328-83.2% | $5,404-68.0% |