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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 | $26,094 | $64,729-59.7% | $112,263-76.8% | $68,490-61.9% |
| Participation rate | 57.4% | 67.2%-9.7pp | 75.1%-17.6pp | 67.9%-10.4pp |
| Annual return | -19.72% | -11.40%-8.3pp | 27.49%-47.2pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,774 | $2,746-35.4% | $3,636-51.2% | $2,597-31.7% |
| Participant deferral / active EE | $3,576 | $3,566+0.3% | $4,729-24.4% | $4,028-11.2% |
| Admin fee / account holder | $1,211 | $5,222-76.8% | $6,410-81.1% | $5,403-77.6% |