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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 | $46,233 | $77,817-40.6% | $123,553-62.6% | $64,173-28.0% |
| Participation rate | 45.9% | 74.7%-28.8pp | 82.3%-36.3pp | 69.6%-23.6pp |
| Annual return | -10.55% | 12.49%-23.0pp | 119.21%-129.8pp | 7.63%-18.2pp |
| Employer contribution / active EE | $1,188 | $3,014-60.6% | $4,628-74.3% | $2,381-50.1% |
| Participant deferral / active EE | $2,563 | $5,240-51.1% | $6,426-60.1% | $3,470-26.1% |
| Admin fee / account holder | $371 | $5,519-93.3% | $9,284-96.0% | $4,887-92.4% |