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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 | $19,568 | $42,383-53.8% | $76,523-74.4% | $64,181-69.5% |
| Participation rate | 44.0% | 58.1%-14.1pp | 68.0%-24.0pp | 69.6%-25.6pp |
| Annual return | -14.79% | -16.54%+1.7pp | -0.27%-14.5pp | 7.63%-22.4pp |
| Employer contribution / active EE | $845 | $1,563-45.9% | $2,647-68.1% | $2,381-64.5% |
| Participant deferral / active EE | $2,518 | $2,566-1.9% | $3,835-34.3% | $3,470-27.4% |
| Admin fee / account holder | $1,455 | $3,198-54.5% | $4,848-70.0% | $4,887-70.2% |