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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 | $38,466 | $62,583-38.5% | $76,767-49.9% | $64,173-40.1% |
| Participation rate | 44.4% | 72.8%-28.4pp | 77.0%-32.5pp | 69.6%-25.1pp |
| Annual return | -7.57% | -1.95%-5.6pp | 2.43%-10.0pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,068 | $1,832-41.7% | $2,485-57.0% | $2,381-55.1% |
| Participant deferral / active EE | $2,173 | $3,145-30.9% | $3,852-43.6% | $3,470-37.4% |
| Admin fee / account holder | $5,123 | $4,667+9.8% | $6,675-23.2% | $4,887+4.8% |