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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 | $49,699 | $56,484-12.0% | $169,452-70.7% | $64,173-22.6% |
| Participation rate | 58.3% | 64.5%-6.2pp | 77.8%-19.4pp | 69.6%-11.2pp |
| Annual return | -10.01% | -1.55%-8.5pp | 1.83%-11.8pp | 7.63%-17.6pp |
| Employer contribution / active EE | $2,950 | $1,832+61.0% | $4,157-29.0% | $2,381+23.9% |
| Participant deferral / active EE | $4,414 | $3,448+28.0% | $5,277-16.4% | $3,470+27.2% |
| Admin fee / account holder | $1,345 | $4,174-67.8% | $9,110-85.2% | $4,887-72.5% |