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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 | $14,012 | $45,872-69.5% | $77,100-81.8% | $68,490-79.5% |
| Participation rate | 58.4% | 55.9%+2.5pp | 67.9%-9.5pp | 67.9%-9.5pp |
| Annual return | -24.51% | 1.73%-26.2pp | 42.35%-66.9pp | -7.85%-16.7pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,600 | $2,963+55.3% | $4,430+3.9% | $4,028+14.2% |
| Admin fee / account holder | $1,295 | $3,041-57.4% | $5,443-76.2% | $5,403-76.0% |