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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 | $38,548 | $61,660-37.5% | $80,022-51.8% | $64,173-39.9% |
| Participation rate | 69.4% | 71.7%-2.3pp | 75.8%-6.4pp | 69.6%-0.2pp |
| Annual return | -7.69% | -0.33%-7.4pp | 11.22%-18.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $846 | $1,810-53.3% | $2,468-65.7% | $2,381-64.5% |
| Participant deferral / active EE | $4,056 | $2,968+36.7% | $3,686+10.1% | $3,470+16.9% |
| Admin fee / account holder | $7,759 | $5,417+43.2% | $6,521+19.0% | $4,887+58.8% |