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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 | $42,986 | $181,896-76.4% | $156,551-72.5% | $273,972-84.3% |
| Participation rate | 33.3% | 88.4%-55.1pp | 84.0%-50.7pp | 83.0%-49.7pp |
| Annual return | -12.96% | 30.74%-43.7pp | 32.23%-45.2pp | 41.46%-54.4pp |
| Employer contribution / active EE | $6,563 | $6,248+5.0% | $5,501+19.3% | $4,869+34.8% |
| Participant deferral / active EE | $3,228 | $5,550-41.8% | $4,871-33.7% | $5,287-38.9% |
| Admin fee / account holder | $787 | $15,560-94.9% | $13,028-94.0% | $10,133-92.2% |