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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 | $19,345 | $59,813-67.7% | $79,580-75.7% | $68,486-71.8% |
| Participation rate | 40.0% | 61.1%-21.1pp | 69.5%-29.5pp | 67.9%-27.9pp |
| Annual return | -24.70% | -12.30%-12.4pp | 0.15%-24.9pp | -7.85%-16.8pp |
| Employer contribution / active EE | $1,264 | $1,505-16.0% | $2,413-47.6% | $2,597-51.3% |
| Participant deferral / active EE | $3,009 | $3,024-0.5% | $3,985-24.5% | $4,028-25.3% |
| Admin fee / account holder | $377 | $4,835-92.2% | $6,835-94.5% | $5,404-93.0% |