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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 | $53,589 | $59,813-10.4% | $79,580-32.7% | $68,486-21.8% |
| Participation rate | 52.2% | 61.1%-8.9pp | 69.5%-17.3pp | 67.9%-15.7pp |
| Annual return | -19.60% | -12.30%-7.3pp | 0.15%-19.8pp | -7.85%-11.7pp |
| Employer contribution / active EE | $666 | $1,505-55.8% | $2,413-72.4% | $2,597-74.4% |
| Participant deferral / active EE | $5,386 | $3,024+78.1% | $3,985+35.1% | $4,028+33.7% |
| Admin fee / account holder | $1,114 | $4,835-77.0% | $6,835-83.7% | $5,404-79.4% |