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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 | $23,044 | $45,872-49.8% | $77,100-70.1% | $68,490-66.4% |
| Participation rate | 60.0% | 55.9%+4.1pp | 67.9%-7.9pp | 67.9%-7.9pp |
| Annual return | -30.76% | 1.73%-32.5pp | 42.35%-73.1pp | -7.85%-22.9pp |
| Employer contribution / active EE | $2,094 | $1,650+26.9% | $2,815-25.6% | $2,597-19.4% |
| Participant deferral / active EE | $5,016 | $2,963+69.3% | $4,430+13.2% | $4,028+24.5% |
| Admin fee / account holder | $6,599 | $3,041+117.0% | $5,443+21.2% | $5,403+22.1% |