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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 | $25,189 | $49,280-48.9% | $67,313-62.6% | $64,173-60.7% |
| Participation rate | 68.2% | 60.8%+7.4pp | 69.1%-0.9pp | 69.6%-1.4pp |
| Annual return | -9.02% | -1.39%-7.6pp | -4.08%-4.9pp | 7.63%-16.7pp |
| Employer contribution / active EE | $1,107 | $1,668-33.7% | $2,566-56.9% | $2,381-53.5% |
| Participant deferral / active EE | $2,318 | $2,484-6.7% | $3,568-35.0% | $3,470-33.2% |
| Admin fee / account holder | $1,142 | $3,863-70.4% | $4,507-74.7% | $4,887-76.6% |