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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 | $59,369 | $81,870-27.5% | $119,622-50.4% | $68,486-13.3% |
| Participation rate | 45.0% | 71.9%-26.9pp | 79.3%-34.3pp | 67.9%-22.9pp |
| Annual return | -20.10% | -23.82%+3.7pp | -14.98%-5.1pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,229 | $2,692-54.3% | $4,232-71.0% | $2,597-52.7% |
| Participant deferral / active EE | $2,613 | $4,148-37.0% | $5,601-53.4% | $4,028-35.1% |
| Admin fee / account holder | $18,571 | $6,583+182.1% | $10,328+79.8% | $5,404+243.7% |