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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 | $40,277 | $64,719-37.8% | $112,249-64.1% | $68,486-41.2% |
| Participation rate | 56.7% | 67.2%-10.5pp | 75.1%-18.4pp | 67.9%-11.2pp |
| Annual return | -21.44% | -11.40%-10.0pp | 27.48%-48.9pp | -7.85%-13.6pp |
| Employer contribution / active EE | $1,569 | $2,747-42.9% | $3,636-56.8% | $2,597-39.6% |
| Participant deferral / active EE | $2,599 | $3,565-27.1% | $4,729-45.1% | $4,028-35.5% |
| Admin fee / account holder | $2,397 | $5,232-54.2% | $6,412-62.6% | $5,404-55.6% |