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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 | $12,533 | $42,917-70.8% | $60,899-79.4% | $68,495-81.7% |
| Participation rate | 58.3% | 66.8%-8.4pp | 73.1%-14.8pp | 67.9%-9.6pp |
| Annual return | -21.15% | -13.99%-7.2pp | 16.92%-38.1pp | -7.84%-13.3pp |
| Employer contribution / active EE | $960 | $1,979-51.5% | $2,702-64.5% | $2,596-63.0% |
| Participant deferral / active EE | $3,079 | $2,867+7.4% | $3,817-19.3% | $4,028-23.6% |
| Admin fee / account holder | $798 | $3,102-74.3% | $3,225-75.3% | $5,403-85.2% |