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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 | $32,287 | $48,267-33.1% | $68,808-53.1% | $68,486-52.9% |
| Participation rate | 48.6% | 60.7%-12.0pp | 69.0%-20.4pp | 67.9%-19.2pp |
| Annual return | -21.70% | -12.70%-9.0pp | -6.37%-15.3pp | -7.85%-13.8pp |
| Employer contribution / active EE | $1,978 | $1,829+8.1% | $2,656-25.5% | $2,597-23.8% |
| Participant deferral / active EE | $4,750 | $2,867+65.7% | $3,942+20.5% | $4,028+17.9% |
| Admin fee / account holder | $1,253 | $4,362-71.3% | $4,936-74.6% | $5,404-76.8% |