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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 | $18,772 | $55,002-65.9% | $59,887-68.7% | $56,287-66.6% |
| Participation rate | 45.1% | 75.9%-30.8pp | 74.7%-29.6pp | 69.9%-24.7pp |
| Annual return | -12.63% | 1.13%-13.8pp | 3.46%-16.1pp | -9.96%-2.7pp |
| Employer contribution / active EE | $1,375 | $2,448-43.8% | $2,722-49.5% | $2,111-34.9% |
| Participant deferral / active EE | $2,899 | $3,121-7.1% | $3,402-14.8% | $3,350-13.5% |
| Admin fee / account holder | $961 | $236+307.6% | $3,591-73.2% | $521+84.5% |