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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 | $18,108 | $42,383-57.3% | $76,523-76.3% | $64,181-71.8% |
| Participation rate | 42.3% | 58.1%-15.8pp | 68.0%-25.7pp | 69.6%-27.3pp |
| Annual return | -12.97% | -16.54%+3.6pp | -0.27%-12.7pp | 7.63%-20.6pp |
| Employer contribution / active EE | $1,130 | $1,563-27.7% | $2,647-57.3% | $2,381-52.5% |
| Participant deferral / active EE | $2,363 | $2,566-7.9% | $3,835-38.4% | $3,470-31.9% |
| Admin fee / account holder | $1,084 | $3,198-66.1% | $4,848-77.6% | $4,887-77.8% |