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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 | $52,365 | $99,345-47.3% | $84,753-38.2% | $273,972-80.9% |
| Participation rate | 58.3% | 80.7%-22.4pp | 76.6%-18.3pp | 83.0%-24.7pp |
| Annual return | -1.68% | 22.93%-24.6pp | 22.78%-24.5pp | 41.46%-43.1pp |
| Employer contribution / active EE | $1,721 | $4,214-59.2% | $3,574-51.9% | $4,869-64.7% |
| Participant deferral / active EE | $3,441 | $4,270-19.4% | $3,712-7.3% | $5,287-34.9% |
| Admin fee / account holder | $3,922 | $6,645-41.0% | $5,333-26.5% | $10,133-61.3% |