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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 | $27,685 | $67,411-58.9% | $91,004-69.6% | $70,126-60.5% |
| Participation rate | 59.8% | 71.4%-11.6pp | 75.6%-15.8pp | 69.5%-9.8pp |
| Annual return | 9.21% | -40.16%+49.4pp | 4.60%+4.6pp | 73.15%-63.9pp |
| Employer contribution / active EE | $1,336 | $1,786-25.2% | $2,456-45.6% | $2,343-43.0% |
| Participant deferral / active EE | $2,297 | $2,823-18.6% | $3,548-35.2% | $3,332-31.1% |
| Admin fee / account holder | $21,018 | $4,236+396.2% | $5,417+288.0% | $4,645+352.4% |