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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 | $49,540 | $72,177-31.4% | $115,038-56.9% | $59,633-16.9% |
| Participation rate | 51.9% | 72.6%-20.7pp | 81.4%-29.5pp | 68.7%-16.8pp |
| Annual return | -3.49% | 12.02%-15.5pp | 26.14%-29.6pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $3,005 | $2,841+5.8% | $4,608-34.8% | $2,203+36.4% |
| Participant deferral / active EE | $5,796 | $4,783+21.2% | $6,026-3.8% | $3,192+81.6% |
| Admin fee / account holder | $1,322 | $4,927-73.2% | $8,175-83.8% | $4,297-69.2% |