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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 | $28,583 | $79,633-64.1% | $93,786-69.5% | $68,490-58.3% |
| Participation rate | 46.5% | 75.4%-28.9pp | 81.0%-34.5pp | 67.9%-21.4pp |
| Annual return | -20.88% | -0.10%-20.8pp | -11.32%-9.6pp | -7.85%-13.0pp |
| Employer contribution / active EE | $1,305 | $3,665-64.4% | $4,328-69.8% | $2,597-49.7% |
| Participant deferral / active EE | $3,109 | $5,158-39.7% | $6,100-49.0% | $4,028-22.8% |
| Admin fee / account holder | $1,457 | $6,871-78.8% | $7,184-79.7% | $5,403-73.0% |