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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 | $20,468 | $33,067-38.1% | $76,523-73.3% | $56,287-63.6% |
| Participation rate | 48.5% | 55.4%-6.8pp | 68.0%-19.5pp | 69.9%-21.3pp |
| Annual return | -9.89% | 2.72%-12.6pp | -0.27%-9.6pp | -9.96%+0.1pp |
| Employer contribution / active EE | $1,437 | $1,200+19.7% | $2,647-45.7% | $2,111-31.9% |
| Participant deferral / active EE | $2,311 | $2,240+3.2% | $3,835-39.7% | $3,350-31.0% |
| Admin fee / account holder | $949 | $537+76.7% | $4,848-80.4% | $521+82.1% |