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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 | $22,305 | $50,958-56.2% | $74,552-70.1% | $64,181-65.2% |
| Participation rate | 48.5% | 61.1%-12.6pp | 69.1%-20.7pp | 69.6%-21.1pp |
| Annual return | -9.91% | -1.86%-8.1pp | 32.53%-42.4pp | 7.63%-17.5pp |
| Employer contribution / active EE | $1,085 | $1,115-2.7% | $1,961-44.7% | $2,381-54.4% |
| Participant deferral / active EE | $4,332 | $2,301+88.2% | $3,108+39.4% | $3,470+24.9% |
| Admin fee / account holder | $307 | $4,223-92.7% | $5,060-93.9% | $4,887-93.7% |