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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 | $30,065 | $48,267-37.7% | $68,808-56.3% | $68,486-56.1% |
| Participation rate | 53.7% | 60.7%-7.0pp | 69.0%-15.4pp | 67.9%-14.2pp |
| Annual return | -21.99% | -12.70%-9.3pp | -6.37%-15.6pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,332 | $1,829-27.2% | $2,656-49.9% | $2,597-48.7% |
| Participant deferral / active EE | $3,105 | $2,867+8.3% | $3,942-21.2% | $4,028-22.9% |
| Admin fee / account holder | $1,193 | $4,362-72.6% | $4,936-75.8% | $5,404-77.9% |