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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 | $26,535 | $64,719-59.0% | $112,249-76.4% | $68,486-61.3% |
| Participation rate | 47.4% | 67.2%-19.8pp | 75.1%-27.7pp | 67.9%-20.5pp |
| Annual return | -19.51% | -11.40%-8.1pp | 27.48%-47.0pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,303 | $2,747-52.6% | $3,636-64.2% | $2,597-49.8% |
| Participant deferral / active EE | $2,716 | $3,565-23.8% | $4,729-42.6% | $4,028-32.6% |
| Admin fee / account holder | $848 | $5,232-83.8% | $6,412-86.8% | $5,404-84.3% |