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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 | $53,166 | $73,863-28.0% | $143,797-63.0% | $68,490-22.4% |
| Participation rate | 53.6% | 66.7%-13.1pp | 80.3%-26.7pp | 67.9%-14.3pp |
| Annual return | -20.20% | 0.91%-21.1pp | -0.04%-20.2pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,143 | $3,185-64.1% | $4,952-76.9% | $2,597-56.0% |
| Participant deferral / active EE | $1,668 | $3,385-50.7% | $5,638-70.4% | $4,028-58.6% |
| Admin fee / account holder | $301 | $5,756-94.8% | $14,679-98.0% | $5,403-94.4% |