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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 | $60,233 | $59,813+0.7% | $79,580-24.3% | $68,486-12.1% |
| Participation rate | 57.9% | 61.1%-3.2pp | 69.5%-11.6pp | 67.9%-10.0pp |
| Annual return | -23.85% | -12.30%-11.6pp | 0.15%-24.0pp | -7.85%-16.0pp |
| Employer contribution / active EE | $489 | $1,505-67.5% | $2,413-79.7% | $2,597-81.2% |
| Participant deferral / active EE | $3,896 | $3,024+28.8% | $3,985-2.2% | $4,028-3.3% |
| Admin fee / account holder | $1,032 | $4,835-78.7% | $6,835-84.9% | $5,404-80.9% |