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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 | $22,785 | $45,602-50.0% | $117,533-80.6% | $66,938-66.0% |
| Participation rate | 53.3% | 57.6%-4.3pp | 70.6%-17.3pp | 69.8%-16.5pp |
| Annual return | -19.43% | -16.74%-2.7pp | 29.77%-49.2pp | 1.58%-21.0pp |
| Employer contribution / active EE | $1,846 | $1,579+16.9% | $4,179-55.8% | $2,545-27.5% |
| Participant deferral / active EE | $4,069 | $2,845+43.0% | $4,072-0.1% | $4,238-4.0% |
| Admin fee / account holder | $1,765 | $661+167.2% | $5,647-68.7% | $594+197.4% |