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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 | $24,716 | $56,339-56.1% | $104,301-76.3% | $68,486-63.9% |
| Participation rate | 69.2% | 63.3%+6.0pp | 73.3%-4.0pp | 67.9%+1.3pp |
| Annual return | -21.48% | -9.19%-12.3pp | 24.61%-46.1pp | -7.85%-13.6pp |
| Employer contribution / active EE | $1,905 | $1,960-2.8% | $3,373-43.5% | $2,597-26.6% |
| Participant deferral / active EE | $2,354 | $3,077-23.5% | $4,626-49.1% | $4,028-41.5% |
| Admin fee / account holder | $314 | $4,902-93.6% | $7,340-95.7% | $5,404-94.2% |