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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 | $37,199 | $86,655-57.1% | $119,622-68.9% | $66,938-44.4% |
| Participation rate | 53.5% | 75.6%-22.1pp | 79.3%-25.8pp | 69.8%-16.4pp |
| Annual return | -19.38% | -8.00%-11.4pp | -14.98%-4.4pp | 1.58%-21.0pp |
| Employer contribution / active EE | $2,716 | $2,536+7.1% | $4,232-35.8% | $2,545+6.7% |
| Participant deferral / active EE | $4,199 | $4,358-3.6% | $5,601-25.0% | $4,238-0.9% |
| Admin fee / account holder | $1,937 | $755+156.6% | $10,328-81.2% | $594+226.3% |