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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 | $64,582 | $73,978-12.7% | $96,515-33.1% | $75,173-14.1% |
| Participation rate | 40.0% | 66.4%-26.4pp | 74.3%-34.3pp | 67.2%-27.2pp |
| Annual return | -7.73% | 26.72%-34.5pp | 35.73%-43.5pp | 160.72%-168.5pp |
| Employer contribution / active EE | $1,395 | $2,931-52.4% | $3,740-62.7% | $2,671-47.8% |
| Participant deferral / active EE | $2,569 | $3,660-29.8% | $4,880-47.4% | $4,126-37.7% |
| Admin fee / account holder | $1,864 | $5,219-64.3% | $6,735-72.3% | $5,651-67.0% |