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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 | $28,265 | $53,162-46.8% | $91,225-69.0% | $68,486-58.7% |
| Participation rate | 25.0% | 63.2%-38.2pp | 73.2%-48.2pp | 67.9%-42.9pp |
| Annual return | -20.35% | -3.14%-17.2pp | 114.12%-134.5pp | -7.85%-12.5pp |
| Employer contribution / active EE | $962 | $1,709-43.7% | $2,851-66.3% | $2,597-63.0% |
| Participant deferral / active EE | $2,259 | $2,974-24.0% | $4,233-46.6% | $4,028-43.9% |
| Admin fee / account holder | $399 | $4,493-91.1% | $5,422-92.6% | $5,404-92.6% |