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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 | $45,724 | $49,280-7.2% | $67,313-32.1% | $64,181-28.8% |
| Participation rate | 48.1% | 60.8%-12.6pp | 69.1%-20.9pp | 69.6%-21.4pp |
| Annual return | -9.91% | -1.39%-8.5pp | -4.08%-5.8pp | 7.63%-17.5pp |
| Employer contribution / active EE | $1,558 | $1,668-6.6% | $2,566-39.3% | $2,381-34.6% |
| Participant deferral / active EE | $2,565 | $2,484+3.3% | $3,568-28.1% | $3,470-26.1% |
| Admin fee / account holder | $2,779 | $3,863-28.0% | $4,507-38.3% | $4,887-43.1% |