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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 | $42,898 | $60,349-28.9% | $74,184-42.2% | $62,881-31.8% |
| Participation rate | 62.8% | 72.7%-9.9pp | 76.6%-13.8pp | 69.3%-6.5pp |
| Annual return | -0.15% | 21.38%-21.5pp | 17.74%-17.9pp | 20.14%-20.3pp |
| Employer contribution / active EE | $1,366 | $1,680-18.7% | $2,370-42.4% | $2,281-40.1% |
| Participant deferral / active EE | $1,792 | $2,856-37.3% | $3,550-49.5% | $3,203-44.0% |
| Admin fee / account holder | $768 | $4,261-82.0% | $5,586-86.2% | $4,296-82.1% |