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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 | $20,184 | $92,219-78.1% | $76,767-73.7% | $135,380-85.1% |
| Participation rate | 45.5% | 79.8%-34.3pp | 77.0%-31.5pp | 82.6%-37.2pp |
| Annual return | -10.29% | 5.46%-15.8pp | 2.43%-12.7pp | 519.81%-530.1pp |
| Employer contribution / active EE | $1,309 | $3,216-59.3% | $2,485-47.3% | $4,779-72.6% |
| Participant deferral / active EE | $2,884 | $4,508-36.0% | $3,852-25.1% | $5,609-48.6% |
| Admin fee / account holder | $318 | $10,749-97.0% | $6,675-95.2% | $10,828-97.1% |