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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 | $29,331 | $73,848-60.3% | $143,799-79.6% | $68,486-57.2% |
| Participation rate | 32.3% | 66.7%-34.4pp | 80.3%-48.1pp | 67.9%-35.6pp |
| Annual return | -19.80% | 0.91%-20.7pp | -0.04%-19.8pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,196 | $3,184-62.5% | $4,952-75.9% | $2,597-54.0% |
| Participant deferral / active EE | $2,167 | $3,385-36.0% | $5,638-61.6% | $4,028-46.2% |
| Admin fee / account holder | $4,421 | $5,755-23.2% | $14,677-69.9% | $5,404-18.2% |