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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 | $38,339 | $56,484-32.1% | $169,452-77.4% | $64,173-40.3% |
| Participation rate | 40.0% | 64.5%-24.5pp | 77.8%-37.8pp | 69.6%-29.6pp |
| Annual return | -8.67% | -1.55%-7.1pp | 1.83%-10.5pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,108 | $1,832-39.5% | $4,157-73.4% | $2,381-53.5% |
| Participant deferral / active EE | $2,012 | $3,448-41.7% | $5,277-61.9% | $3,470-42.0% |
| Admin fee / account holder | $3,480 | $4,174-16.6% | $9,110-61.8% | $4,887-28.8% |