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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 | $12,709 | $49,280-74.2% | $67,313-81.1% | $64,173-80.2% |
| Participation rate | 68.0% | 60.8%+7.2pp | 69.1%-1.1pp | 69.6%-1.6pp |
| Annual return | -14.86% | -1.39%-13.5pp | -4.08%-10.8pp | 7.63%-22.5pp |
| Employer contribution / active EE | $1,251 | $1,668-25.0% | $2,566-51.2% | $2,381-47.5% |
| Participant deferral / active EE | $2,876 | $2,484+15.8% | $3,568-19.4% | $3,470-17.1% |
| Admin fee / account holder | $623 | $3,863-83.9% | $4,507-86.2% | $4,887-87.3% |