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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 | $23,481 | $73,848-68.2% | $143,799-83.7% | $68,486-65.7% |
| Participation rate | 68.0% | 66.7%+1.3pp | 80.3%-12.3pp | 67.9%+0.1pp |
| Annual return | -22.15% | 0.91%-23.1pp | -0.04%-22.1pp | -7.85%-14.3pp |
| Employer contribution / active EE | $4,013 | $3,184+26.0% | $4,952-19.0% | $2,597+54.5% |
| Participant deferral / active EE | $3,810 | $3,385+12.6% | $5,638-32.4% | $4,028-5.4% |
| Admin fee / account holder | $2,085 | $5,755-63.8% | $14,677-85.8% | $5,404-61.4% |