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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 | $28,004 | $62,583-55.3% | $76,767-63.5% | $64,173-56.4% |
| Participation rate | 66.7% | 72.8%-6.2pp | 77.0%-10.3pp | 69.6%-2.9pp |
| Annual return | -10.08% | -1.95%-8.1pp | 2.43%-12.5pp | 7.63%-17.7pp |
| Employer contribution / active EE | $1,219 | $1,832-33.5% | $2,485-51.0% | $2,381-48.8% |
| Participant deferral / active EE | $3,644 | $3,145+15.9% | $3,852-5.4% | $3,470+5.0% |
| Admin fee / account holder | $348 | $4,667-92.5% | $6,675-94.8% | $4,887-92.9% |