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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 | $19,939 | $50,958-60.9% | $74,552-73.3% | $64,181-68.9% |
| Participation rate | 61.5% | 61.1%+0.5pp | 69.1%-7.6pp | 69.6%-8.0pp |
| Annual return | -9.95% | -1.86%-8.1pp | 32.53%-42.5pp | 7.63%-17.6pp |
| Employer contribution / active EE | $2,099 | $1,115+88.2% | $1,961+7.0% | $2,381-11.8% |
| Participant deferral / active EE | $3,015 | $2,301+31.0% | $3,108-3.0% | $3,470-13.1% |
| Admin fee / account holder | $2,132 | $4,223-49.5% | $5,060-57.9% | $4,887-56.4% |