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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 | $21,562 | $49,280-56.2% | $67,313-68.0% | $64,173-66.4% |
| Participation rate | 40.0% | 60.8%-20.8pp | 69.1%-29.1pp | 69.6%-29.6pp |
| Annual return | -8.56% | -1.39%-7.2pp | -4.08%-4.5pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,102 | $1,668-34.0% | $2,566-57.1% | $2,381-53.7% |
| Participant deferral / active EE | $1,940 | $2,484-21.9% | $3,568-45.6% | $3,470-44.1% |
| Admin fee / account holder | $2,362 | $3,863-38.8% | $4,507-47.6% | $4,887-51.7% |