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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 | $38,060 | $71,872-47.0% | $86,691-56.1% | $68,495-44.4% |
| Participation rate | 58.8% | 72.2%-13.4pp | 76.6%-17.8pp | 67.9%-9.1pp |
| Annual return | -23.77% | 3.53%-27.3pp | 35.94%-59.7pp | -7.84%-15.9pp |
| Employer contribution / active EE | $1,911 | $2,173-12.1% | $2,837-32.6% | $2,596-26.4% |
| Participant deferral / active EE | $4,593 | $3,779+21.6% | $4,656-1.3% | $4,028+14.0% |
| Admin fee / account holder | $1,631 | $6,112-73.3% | $7,492-78.2% | $5,403-69.8% |