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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 | $24,998 | $43,730-42.8% | $121,220-79.4% | $64,173-61.0% |
| Participation rate | 60.7% | 58.3%+2.4pp | 71.8%-11.0pp | 69.6%-8.9pp |
| Annual return | -9.54% | 68.94%-78.5pp | 16.94%-26.5pp | 7.63%-17.2pp |
| Employer contribution / active EE | $918 | $1,297-29.2% | $4,023-77.2% | $2,381-61.4% |
| Participant deferral / active EE | $2,502 | $2,281+9.7% | $3,345-25.2% | $3,470-27.9% |
| Admin fee / account holder | $2,824 | $3,502-19.4% | $5,021-43.8% | $4,887-42.2% |