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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 | $36,014 | $62,589-42.5% | $76,768-53.1% | $64,173-43.9% |
| Participation rate | 64.1% | 72.8%-8.7pp | 77.0%-12.9pp | 69.6%-5.5pp |
| Annual return | -7.57% | -1.95%-5.6pp | 2.43%-10.0pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,476 | $1,832-19.4% | $2,485-40.6% | $2,381-38.0% |
| Participant deferral / active EE | $4,127 | $3,145+31.2% | $3,852+7.2% | $3,470+19.0% |
| Admin fee / account holder | $1,101 | $4,667-76.4% | $6,675-83.5% | $4,887-77.5% |