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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 | $21,419 | $64,729-66.9% | $112,263-80.9% | $68,490-68.7% |
| Participation rate | 69.7% | 67.2%+2.5pp | 75.1%-5.4pp | 67.9%+1.8pp |
| Annual return | -19.70% | -11.40%-8.3pp | 27.49%-47.2pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,180 | $2,746-57.0% | $3,636-67.6% | $2,597-54.6% |
| Participant deferral / active EE | $3,057 | $3,566-14.3% | $4,729-35.4% | $4,028-24.1% |
| Admin fee / account holder | $2,651 | $5,222-49.2% | $6,410-58.6% | $5,403-50.9% |