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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 | $37,209 | $72,177-48.4% | $115,038-67.7% | $59,633-37.6% |
| Participation rate | 54.9% | 72.6%-17.6pp | 81.4%-26.5pp | 68.7%-13.8pp |
| Annual return | -4.23% | 12.02%-16.2pp | 26.14%-30.4pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $2,244 | $2,841-21.0% | $4,608-51.3% | $2,203+1.9% |
| Participant deferral / active EE | $6,117 | $4,783+27.9% | $6,026+1.5% | $3,192+91.7% |
| Admin fee / account holder | $793 | $4,927-83.9% | $8,175-90.3% | $4,297-81.6% |