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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 | $19,012 | $58,099-67.3% | $76,872-75.3% | $75,173-74.7% |
| Participation rate | 58.3% | 63.9%-5.6pp | 69.6%-11.3pp | 67.2%-8.9pp |
| Annual return | -7.85% | 26.71%-34.6pp | 37.90%-45.8pp | 160.72%-168.6pp |
| Employer contribution / active EE | $2,117 | $1,996+6.1% | $2,533-16.4% | $2,671-20.7% |
| Participant deferral / active EE | $3,969 | $2,999+32.3% | $3,832+3.6% | $4,126-3.8% |
| Admin fee / account holder | $1,391 | $4,778-70.9% | $5,476-74.6% | $5,651-75.4% |