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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 | $22,761 | $76,551-70.3% | $123,894-81.6% | $62,881-63.8% |
| Participation rate | 40.0% | 73.0%-33.0pp | 81.4%-41.4pp | 69.3%-29.3pp |
| Annual return | -12.14% | 18.68%-30.8pp | 47.52%-59.7pp | 20.14%-32.3pp |
| Employer contribution / active EE | $1,330 | $2,882-53.9% | $4,617-71.2% | $2,281-41.7% |
| Participant deferral / active EE | $2,129 | $4,840-56.0% | $5,984-64.4% | $3,203-33.5% |
| Admin fee / account holder | $1,507 | $4,826-68.8% | $8,357-82.0% | $4,296-64.9% |