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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 | $23,660 | $73,848-68.0% | $143,799-83.5% | $68,486-65.5% |
| Participation rate | 65.8% | 66.7%-0.9pp | 80.3%-14.6pp | 67.9%-2.1pp |
| Annual return | -20.33% | 0.91%-21.2pp | -0.04%-20.3pp | -7.85%-12.5pp |
| Employer contribution / active EE | $2,414 | $3,184-24.2% | $4,952-51.3% | $2,597-7.0% |
| Participant deferral / active EE | $3,935 | $3,385+16.3% | $5,638-30.2% | $4,028-2.3% |
| Admin fee / account holder | $944 | $5,755-83.6% | $14,677-93.6% | $5,404-82.5% |