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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 | $35,899 | $58,587-38.7% | $83,322-56.9% | $64,173-44.1% |
| Participation rate | 48.0% | 72.0%-24.0pp | 77.8%-29.8pp | 69.6%-21.6pp |
| Annual return | -10.51% | 9.65%-20.2pp | 10.64%-21.2pp | 7.63%-18.1pp |
| Employer contribution / active EE | $1,357 | $2,098-35.3% | $3,379-59.9% | $2,381-43.0% |
| Participant deferral / active EE | $2,962 | $4,654-36.4% | $5,565-46.8% | $3,470-14.6% |
| Admin fee / account holder | $2,372 | $9,279-74.4% | $7,540-68.5% | $4,887-51.5% |