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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 | $39,445 | $42,909-8.1% | $60,906-35.2% | $68,486-42.4% |
| Participation rate | 36.4% | 66.8%-30.4pp | 73.1%-36.7pp | 67.9%-31.5pp |
| Annual return | -21.50% | -13.99%-7.5pp | 16.94%-38.4pp | -7.85%-13.6pp |
| Employer contribution / active EE | $1,670 | $1,979-15.6% | $2,703-38.2% | $2,597-35.7% |
| Participant deferral / active EE | $1,980 | $2,866-30.9% | $3,814-48.1% | $4,028-50.8% |
| Admin fee / account holder | $6,415 | $3,104+106.7% | $3,227+98.8% | $5,404+18.7% |