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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 | $34,578 | $56,339-38.6% | $104,301-66.8% | $68,495-49.5% |
| Participation rate | 56.8% | 63.3%-6.4pp | 73.3%-16.5pp | 67.9%-11.1pp |
| Annual return | -21.32% | -9.19%-12.1pp | 24.61%-45.9pp | -7.84%-13.5pp |
| Employer contribution / active EE | $2,576 | $1,960+31.4% | $3,373-23.6% | $2,596-0.8% |
| Participant deferral / active EE | $4,973 | $3,077+61.6% | $4,626+7.5% | $4,028+23.5% |
| Admin fee / account holder | $2,000 | $4,902-59.2% | $7,340-72.8% | $5,403-63.0% |