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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 | $27,863 | $59,819-53.4% | $79,583-65.0% | $68,490-59.3% |
| Participation rate | 30.5% | 61.1%-30.6pp | 69.5%-39.0pp | 67.9%-37.4pp |
| Annual return | -22.58% | -12.30%-10.3pp | 0.16%-22.7pp | -7.85%-14.7pp |
| Employer contribution / active EE | $1,168 | $1,505-22.4% | $2,414-51.6% | $2,597-55.0% |
| Participant deferral / active EE | $3,505 | $3,025+15.9% | $3,986-12.1% | $4,028-13.0% |
| Admin fee / account holder | $4,101 | $4,835-15.2% | $6,835-40.0% | $5,403-24.1% |