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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 | $21,478 | $43,344-50.4% | $59,899-64.1% | $64,173-66.5% |
| Participation rate | 68.9% | 69.2%-0.3pp | 74.7%-5.8pp | 69.6%-0.7pp |
| Annual return | -8.88% | -1.55%-7.3pp | 3.46%-12.3pp | 7.63%-16.5pp |
| Employer contribution / active EE | $1,593 | $2,030-21.5% | $2,723-41.5% | $2,381-33.1% |
| Participant deferral / active EE | $2,719 | $2,547+6.7% | $3,402-20.1% | $3,470-21.6% |
| Admin fee / account holder | $3,156 | $3,008+4.9% | $3,592-12.1% | $4,887-35.4% |