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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 | $8,870 | $45,872-80.7% | $77,096-88.5% | $68,486-87.0% |
| Participation rate | 40.6% | 55.9%-15.3pp | 67.9%-27.3pp | 67.9%-27.3pp |
| Annual return | -21.63% | 1.73%-23.4pp | 42.35%-64.0pp | -7.85%-13.8pp |
| Employer contribution / active EE | $1,761 | $1,650+6.7% | $2,814-37.4% | $2,597-32.2% |
| Participant deferral / active EE | $3,819 | $2,963+28.9% | $4,429-13.8% | $4,028-5.2% |
| Admin fee / account holder | $1,003 | $3,041-67.0% | $5,428-81.5% | $5,404-81.4% |