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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 | $22,919 | $56,484-59.4% | $169,452-86.5% | $64,173-64.3% |
| Participation rate | 63.2% | 64.5%-1.3pp | 77.8%-14.6pp | 69.6%-6.4pp |
| Annual return | -12.61% | -1.55%-11.1pp | 1.83%-14.4pp | 7.63%-20.2pp |
| Employer contribution / active EE | $2,275 | $1,832+24.2% | $4,157-45.3% | $2,381-4.4% |
| Participant deferral / active EE | $6,899 | $3,448+100.1% | $5,277+30.7% | $3,470+98.8% |
| Admin fee / account holder | $1,519 | $4,174-63.6% | $9,110-83.3% | $4,887-68.9% |