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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 | $5,074 | $25,979-80.5% | $71,755-92.9% | $68,486-92.6% |
| Participation rate | 47.1% | 54.5%-7.4pp | 62.3%-15.3pp | 67.9%-20.8pp |
| Annual return | -21.07% | -15.10%-6.0pp | 9.09%-30.2pp | -7.85%-13.2pp |
| Employer contribution / active EE | $2,414 | $900+168.1% | $1,704+41.7% | $2,597-7.0% |
| Participant deferral / active EE | $1,371 | $1,522-9.9% | $2,656-48.4% | $4,028-66.0% |
| Admin fee / account holder | $833 | $2,022-58.8% | $3,972-79.0% | $5,404-84.6% |