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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 | $12,732 | $46,697-72.7% | $117,533-89.2% | $68,486-81.4% |
| Participation rate | 46.9% | 56.8%-9.8pp | 70.6%-23.7pp | 67.9%-21.0pp |
| Annual return | -24.17% | -14.52%-9.7pp | 29.77%-53.9pp | -7.85%-16.3pp |
| Employer contribution / active EE | $1,285 | $1,506-14.7% | $4,179-69.3% | $2,597-50.5% |
| Participant deferral / active EE | $1,915 | $2,637-27.4% | $4,072-53.0% | $4,028-52.5% |
| Admin fee / account holder | $4,967 | $4,023+23.5% | $5,647-12.0% | $5,404-8.1% |