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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 | $24,855 | $64,716-61.6% | $112,258-77.9% | $68,495-63.7% |
| Participation rate | 43.8% | 67.2%-23.4pp | 75.1%-31.3pp | 67.9%-24.1pp |
| Annual return | -20.52% | -11.40%-9.1pp | 27.47%-48.0pp | -7.84%-12.7pp |
| Employer contribution / active EE | $1,175 | $2,746-57.2% | $3,636-67.7% | $2,596-54.7% |
| Participant deferral / active EE | $4,330 | $3,565+21.5% | $4,728-8.4% | $4,028+7.5% |
| Admin fee / account holder | $590 | $5,232-88.7% | $6,411-90.8% | $5,403-89.1% |