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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 | $23,228 | $42,383-45.2% | $76,518-69.6% | $64,173-63.8% |
| Participation rate | 45.3% | 58.1%-12.9pp | 68.0%-22.7pp | 69.6%-24.3pp |
| Annual return | -9.12% | -16.54%+7.4pp | -0.27%-8.9pp | 7.63%-16.8pp |
| Employer contribution / active EE | $1,232 | $1,563-21.2% | $2,647-53.5% | $2,381-48.3% |
| Participant deferral / active EE | $2,317 | $2,566-9.7% | $3,836-39.6% | $3,470-33.2% |
| Admin fee / account holder | $524 | $3,198-83.6% | $4,849-89.2% | $4,887-89.3% |