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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 | $33,902 | $39,132-13.4% | $57,196-40.7% | $62,881-46.1% |
| Participation rate | 68.1% | 70.5%-2.4pp | 75.3%-7.2pp | 69.3%-1.2pp |
| Annual return | -1.60% | 9.24%-10.8pp | 14.59%-16.2pp | 20.14%-21.7pp |
| Employer contribution / active EE | $2,113 | $1,874+12.8% | $2,683-21.2% | $2,281-7.4% |
| Participant deferral / active EE | $2,037 | $2,374-14.2% | $3,096-34.2% | $3,203-36.4% |
| Admin fee / account holder | $839 | $2,594-67.7% | $3,141-73.3% | $4,296-80.5% |