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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 | $32,743 | $53,596-38.9% | $90,657-63.9% | $64,173-49.0% |
| Participation rate | 42.3% | 64.5%-22.2pp | 74.0%-31.7pp | 69.6%-27.3pp |
| Annual return | -9.13% | 4.41%-13.5pp | 1.89%-11.0pp | 7.63%-16.8pp |
| Employer contribution / active EE | $1,350 | $1,503-10.2% | $2,532-46.7% | $2,381-43.3% |
| Participant deferral / active EE | $3,298 | $2,459+34.2% | $3,424-3.7% | $3,470-4.9% |
| Admin fee / account holder | $3,206 | $3,868-17.1% | $4,994-35.8% | $4,887-34.4% |