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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 | $28,123 | $79,633-64.7% | $93,759-70.0% | $68,495-58.9% |
| Participation rate | 50.0% | 75.4%-25.4pp | 81.0%-31.0pp | 67.9%-17.9pp |
| Annual return | -18.87% | -0.10%-18.8pp | -11.33%-7.5pp | -7.84%-11.0pp |
| Employer contribution / active EE | $1,469 | $3,665-59.9% | $4,324-66.0% | $2,596-43.4% |
| Participant deferral / active EE | $3,083 | $5,158-40.2% | $6,096-49.4% | $4,028-23.5% |
| Admin fee / account holder | $1,233 | $6,871-82.1% | $7,197-82.9% | $5,403-77.2% |