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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 | $21,673 | $42,383-48.9% | $76,518-71.7% | $64,173-66.2% |
| Participation rate | 51.7% | 58.1%-6.4pp | 68.0%-16.3pp | 69.6%-17.8pp |
| Annual return | -9.03% | -16.54%+7.5pp | -0.27%-8.8pp | 7.63%-16.7pp |
| Employer contribution / active EE | $1,720 | $1,563+10.0% | $2,647-35.0% | $2,381-27.8% |
| Participant deferral / active EE | $3,583 | $2,566+39.6% | $3,836-6.6% | $3,470+3.3% |
| Admin fee / account holder | $887 | $3,198-72.3% | $4,849-81.7% | $4,887-81.9% |