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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 | $31,793 | $81,870-61.2% | $119,622-73.4% | $68,486-53.6% |
| Participation rate | 22.5% | 71.9%-49.4pp | 79.3%-56.8pp | 67.9%-45.4pp |
| Annual return | -19.59% | -23.82%+4.2pp | -14.98%-4.6pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,119 | $2,692-58.4% | $4,232-73.6% | $2,597-56.9% |
| Participant deferral / active EE | $2,010 | $4,148-51.6% | $5,601-64.1% | $4,028-50.1% |
| Admin fee / account holder | $1,143 | $6,583-82.6% | $10,328-88.9% | $5,404-78.8% |