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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 | $21,928 | $73,863-70.3% | $143,797-84.8% | $68,490-68.0% |
| Participation rate | 47.6% | 66.7%-19.0pp | 80.3%-32.7pp | 67.9%-20.3pp |
| Annual return | -21.81% | 0.91%-22.7pp | -0.04%-21.8pp | -7.85%-14.0pp |
| Employer contribution / active EE | $1,233 | $3,185-61.3% | $4,952-75.1% | $2,597-52.5% |
| Participant deferral / active EE | $1,552 | $3,385-54.1% | $5,638-72.5% | $4,028-61.5% |
| Admin fee / account holder | $1,205 | $5,756-79.1% | $14,679-91.8% | $5,403-77.7% |