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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 | $52,647 | $77,816-32.3% | $123,552-57.4% | $64,173-18.0% |
| Participation rate | 43.9% | 74.7%-30.8pp | 82.3%-38.4pp | 69.6%-25.7pp |
| Annual return | -9.39% | 12.49%-21.9pp | 119.20%-128.6pp | 7.63%-17.0pp |
| Employer contribution / active EE | $1,160 | $3,014-61.5% | $4,628-74.9% | $2,381-51.3% |
| Participant deferral / active EE | $4,691 | $5,240-10.5% | $6,426-27.0% | $3,470+35.2% |
| Admin fee / account holder | $527 | $5,519-90.5% | $9,285-94.3% | $4,887-89.2% |