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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 | $29,805 | $45,872-35.0% | $77,096-61.3% | $68,486-56.5% |
| Participation rate | 51.9% | 55.9%-4.0pp | 67.9%-16.0pp | 67.9%-15.9pp |
| Annual return | -20.50% | 1.73%-22.2pp | 42.35%-62.9pp | -7.85%-12.6pp |
| Employer contribution / active EE | $1,073 | $1,650-34.9% | $2,814-61.9% | $2,597-58.7% |
| Participant deferral / active EE | $3,385 | $2,963+14.3% | $4,429-23.6% | $4,028-15.9% |
| Admin fee / account holder | $832 | $3,041-72.6% | $5,428-84.7% | $5,404-84.6% |