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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 | $31,653 | $99,345-68.1% | $84,753-62.7% | $273,972-88.4% |
| Participation rate | 47.1% | 80.7%-33.6pp | 76.6%-29.5pp | 83.0%-36.0pp |
| Annual return | -14.65% | 22.93%-37.6pp | 22.78%-37.4pp | 41.46%-56.1pp |
| Employer contribution / active EE | $2,529 | $4,214-40.0% | $3,574-29.2% | $4,869-48.0% |
| Participant deferral / active EE | $5,060 | $4,270+18.5% | $3,712+36.3% | $5,287-4.3% |
| Admin fee / account holder | $2,436 | $6,645-63.3% | $5,333-54.3% | $10,133-76.0% |