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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 | $34,424 | $59,813-42.4% | $79,580-56.7% | $68,486-49.7% |
| Participation rate | 52.0% | 61.1%-9.1pp | 69.5%-17.5pp | 67.9%-15.9pp |
| Annual return | -20.31% | -12.30%-8.0pp | 0.15%-20.5pp | -7.85%-12.5pp |
| Employer contribution / active EE | $3,348 | $1,505+122.4% | $2,413+38.7% | $2,597+28.9% |
| Participant deferral / active EE | $4,232 | $3,024+39.9% | $3,985+6.2% | $4,028+5.1% |
| Admin fee / account holder | $996 | $4,835-79.4% | $6,835-85.4% | $5,404-81.6% |