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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 | $35,304 | $57,140-38.2% | $85,240-58.6% | $80,959-56.4% |
| Participation rate | 11.8% | 56.4%-44.6pp | 67.5%-55.8pp | 67.7%-55.9pp |
| Annual return | -19.38% | 21.71%-41.1pp | 66.75%-86.1pp | 35.67%-55.1pp |
| Employer contribution / active EE | $568 | $1,802-68.5% | $2,735-79.2% | $2,757-79.4% |
| Participant deferral / active EE | $1,305 | $3,115-58.1% | $4,527-71.2% | $4,300-69.7% |
| Admin fee / account holder | $7,553 | $4,992+51.3% | $6,165+22.5% | $6,925+9.1% |