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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 | $18,707 | $45,872-59.2% | $77,096-75.7% | $68,486-72.7% |
| Participation rate | 52.0% | 55.9%-3.9pp | 67.9%-15.9pp | 67.9%-15.9pp |
| Annual return | -23.86% | 1.73%-25.6pp | 42.35%-66.2pp | -7.85%-16.0pp |
| Employer contribution / active EE | $2,448 | $1,650+48.4% | $2,814-13.0% | $2,597-5.7% |
| Participant deferral / active EE | $4,112 | $2,963+38.8% | $4,429-7.2% | $4,028+2.1% |
| Admin fee / account holder | $976 | $3,041-67.9% | $5,428-82.0% | $5,404-81.9% |