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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 | $23,911 | $58,587-59.2% | $83,322-71.3% | $64,173-62.7% |
| Participation rate | 65.5% | 72.0%-6.6pp | 77.8%-12.3pp | 69.6%-4.1pp |
| Annual return | -10.70% | 9.65%-20.4pp | 10.64%-21.3pp | 7.63%-18.3pp |
| Employer contribution / active EE | $2,719 | $2,098+29.6% | $3,379-19.5% | $2,381+14.2% |
| Participant deferral / active EE | $5,273 | $4,654+13.3% | $5,565-5.2% | $3,470+52.0% |
| Admin fee / account holder | $2,780 | $9,279-70.0% | $7,540-63.1% | $4,887-43.1% |