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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 | $52,587 | $59,819-12.1% | $79,583-33.9% | $68,490-23.2% |
| Participation rate | 55.6% | 61.1%-5.5pp | 69.5%-13.9pp | 67.9%-12.3pp |
| Annual return | -19.40% | -12.30%-7.1pp | 0.16%-19.6pp | -7.85%-11.5pp |
| Employer contribution / active EE | $575 | $1,505-61.8% | $2,414-76.2% | $2,597-77.8% |
| Participant deferral / active EE | $4,293 | $3,025+41.9% | $3,986+7.7% | $4,028+6.6% |
| Admin fee / account holder | $4,758 | $4,835-1.6% | $6,835-30.4% | $5,403-11.9% |