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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 | $58,819 | $69,977-15.9% | $108,582-45.8% | $62,881-6.5% |
| Participation rate | 69.3% | 72.9%-3.6pp | 79.6%-10.3pp | 69.3%0pp |
| Annual return | 3.86% | 10.73%-6.9pp | -51.70%+55.6pp | 20.14%-16.3pp |
| Employer contribution / active EE | $1,509 | $2,135-29.3% | $3,758-59.9% | $2,281-33.9% |
| Participant deferral / active EE | $2,339 | $3,165-26.1% | $4,311-45.7% | $3,203-27.0% |
| Admin fee / account holder | $1,009 | $5,076-80.1% | $7,645-86.8% | $4,296-76.5% |