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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 | $36,060 | $59,819-39.7% | $79,583-54.7% | $68,490-47.4% |
| Participation rate | 62.5% | 61.1%+1.4pp | 69.5%-7.0pp | 67.9%-5.4pp |
| Annual return | -21.89% | -12.30%-9.6pp | 0.16%-22.1pp | -7.85%-14.0pp |
| Employer contribution / active EE | $552 | $1,505-63.3% | $2,414-77.1% | $2,597-78.7% |
| Participant deferral / active EE | $3,992 | $3,025+32.0% | $3,986+0.2% | $4,028-0.9% |
| Admin fee / account holder | $6,336 | $4,835+31.0% | $6,835-7.3% | $5,403+17.3% |