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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 | $18,045 | $64,729-72.1% | $112,263-83.9% | $68,490-73.7% |
| Participation rate | 52.0% | 67.2%-15.2pp | 75.1%-23.1pp | 67.9%-15.9pp |
| Annual return | -24.42% | -11.40%-13.0pp | 27.49%-51.9pp | -7.85%-16.6pp |
| Employer contribution / active EE | $1,338 | $2,746-51.3% | $3,636-63.2% | $2,597-48.5% |
| Participant deferral / active EE | $4,155 | $3,566+16.5% | $4,729-12.1% | $4,028+3.2% |
| Admin fee / account holder | $2,392 | $5,222-54.2% | $6,410-62.7% | $5,403-55.7% |