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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 | $18,083 | $45,872-60.6% | $77,081-76.5% | $68,495-73.6% |
| Participation rate | 28.8% | 55.9%-27.1pp | 67.9%-39.1pp | 67.9%-39.1pp |
| Annual return | -24.14% | 1.73%-25.9pp | 42.33%-66.5pp | -7.84%-16.3pp |
| Employer contribution / active EE | $1,174 | $1,650-28.9% | $2,813-58.3% | $2,596-54.8% |
| Participant deferral / active EE | $3,735 | $2,963+26.0% | $4,428-15.7% | $4,028-7.3% |
| Admin fee / account holder | $964 | $3,041-68.3% | $5,427-82.2% | $5,403-82.2% |