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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 | $30,811 | $81,870-62.4% | $119,634-74.2% | $68,490-55.0% |
| Participation rate | 60.0% | 71.9%-11.9pp | 79.3%-19.3pp | 67.9%-7.9pp |
| Annual return | -19.49% | -23.82%+4.3pp | -14.98%-4.5pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,656 | $2,692-38.5% | $4,232-60.9% | $2,597-36.2% |
| Participant deferral / active EE | $5,749 | $4,148+38.6% | $5,601+2.6% | $4,028+42.7% |
| Admin fee / account holder | $1,186 | $6,583-82.0% | $10,329-88.5% | $5,403-78.0% |