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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 | $39,506 | $64,176-38.4% | $112,249-64.8% | $66,938-41.0% |
| Participation rate | 24.1% | 68.4%-44.3pp | 75.1%-51.0pp | 69.8%-45.7pp |
| Annual return | -22.06% | -13.80%-8.3pp | 27.48%-49.5pp | 1.58%-23.6pp |
| Employer contribution / active EE | $1,207 | $3,007-59.9% | $3,636-66.8% | $2,545-52.6% |
| Participant deferral / active EE | $1,785 | $3,694-51.7% | $4,729-62.2% | $4,238-57.9% |
| Admin fee / account holder | $2,871 | $626+358.8% | $6,412-55.2% | $594+383.7% |