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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 | $30,976 | $59,813-48.2% | $79,580-61.1% | $68,486-54.8% |
| Participation rate | 54.5% | 61.1%-6.5pp | 69.5%-14.9pp | 67.9%-13.3pp |
| Annual return | -21.88% | -12.30%-9.6pp | 0.15%-22.0pp | -7.85%-14.0pp |
| Employer contribution / active EE | $3,636 | $1,505+141.6% | $2,413+50.7% | $2,597+40.0% |
| Participant deferral / active EE | $6,916 | $3,024+128.7% | $3,985+73.5% | $4,028+71.7% |
| Admin fee / account holder | $26,040 | $4,835+438.6% | $6,835+281.0% | $5,404+381.9% |