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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 | $22,069 | $77,816-71.6% | $123,552-82.1% | $64,173-65.6% |
| Participation rate | 61.2% | 74.7%-13.5pp | 82.3%-21.1pp | 69.6%-8.3pp |
| Annual return | -10.20% | 12.49%-22.7pp | 119.20%-129.4pp | 7.63%-17.8pp |
| Employer contribution / active EE | $1,728 | $3,014-42.7% | $4,628-62.7% | $2,381-27.4% |
| Participant deferral / active EE | $3,507 | $5,240-33.1% | $6,426-45.4% | $3,470+1.1% |
| Admin fee / account holder | $1,470 | $5,519-73.4% | $9,285-84.2% | $4,887-69.9% |