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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 | $54,533 | $86,701-37.1% | $73,309-25.6% | $125,389-56.5% |
| Participation rate | 41.2% | 78.6%-37.4pp | 74.9%-33.7pp | 83.2%-42.0pp |
| Annual return | -6.09% | 2.78%-8.9pp | 5.67%-11.8pp | 282.24%-288.3pp |
| Employer contribution / active EE | $1,784 | $4,152-57.0% | $3,237-44.9% | $4,866-63.3% |
| Participant deferral / active EE | $3,114 | $5,549-43.9% | $4,991-37.6% | $5,352-41.8% |
| Admin fee / account holder | $1,838 | $7,768-76.3% | $5,635-67.4% | $9,541-80.7% |