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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 | $31,719 | $59,186-46.4% | $76,768-58.7% | $56,287-43.6% |
| Participation rate | 57.1% | 75.2%-18.1pp | 77.0%-19.8pp | 69.9%-12.7pp |
| Annual return | -7.04% | 6.62%-13.7pp | 2.43%-9.5pp | -9.96%+2.9pp |
| Employer contribution / active EE | $1,236 | $1,759-29.7% | $2,485-50.3% | $2,111-41.4% |
| Participant deferral / active EE | $2,562 | $3,255-21.3% | $3,852-33.5% | $3,350-23.5% |
| Admin fee / account holder | $1,264 | $489+158.4% | $6,675-81.1% | $521+142.6% |