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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 | $10,684 | $45,872-76.7% | $77,096-86.1% | $68,486-84.4% |
| Participation rate | 62.9% | 55.9%+6.9pp | 67.9%-5.1pp | 67.9%-5.0pp |
| Annual return | -20.04% | 1.73%-21.8pp | 42.35%-62.4pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,170 | $1,650-29.1% | $2,814-58.4% | $2,597-55.0% |
| Participant deferral / active EE | $1,933 | $2,963-34.8% | $4,429-56.4% | $4,028-52.0% |
| Admin fee / account holder | $471 | $3,041-84.5% | $5,428-91.3% | $5,404-91.3% |