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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 | $23,046 | $73,848-68.8% | $143,799-84.0% | $68,486-66.3% |
| Participation rate | 67.5% | 66.7%+0.8pp | 80.3%-12.8pp | 67.9%-0.4pp |
| Annual return | -21.00% | 0.91%-21.9pp | -0.04%-21.0pp | -7.85%-13.2pp |
| Employer contribution / active EE | $1,805 | $3,184-43.3% | $4,952-63.6% | $2,597-30.5% |
| Participant deferral / active EE | $4,533 | $3,385+33.9% | $5,638-19.6% | $4,028+12.6% |
| Admin fee / account holder | $1,701 | $5,755-70.5% | $14,677-88.4% | $5,404-68.5% |