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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 | $32,132 | $65,092-50.6% | $143,799-77.7% | $66,938-52.0% |
| Participation rate | 43.6% | 65.2%-21.6pp | 80.3%-36.8pp | 69.8%-26.3pp |
| Annual return | -21.66% | -11.14%-10.5pp | -0.04%-21.6pp | 1.58%-23.2pp |
| Employer contribution / active EE | $1,732 | $2,362-26.7% | $4,952-65.0% | $2,545-32.0% |
| Participant deferral / active EE | $3,320 | $2,920+13.7% | $5,638-41.1% | $4,238-21.7% |
| Admin fee / account holder | $1,519 | $502+202.3% | $14,677-89.7% | $594+155.9% |