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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 | $56,633 | $77,816-27.2% | $123,552-54.2% | $64,173-11.8% |
| Participation rate | 60.8% | 74.7%-14.0pp | 82.3%-21.5pp | 69.6%-8.8pp |
| Annual return | -8.56% | 12.49%-21.0pp | 119.20%-127.8pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,550 | $3,014-48.6% | $4,628-66.5% | $2,381-34.9% |
| Participant deferral / active EE | $3,698 | $5,240-29.4% | $6,426-42.5% | $3,470+6.6% |
| Admin fee / account holder | $2,033 | $5,519-63.2% | $9,285-78.1% | $4,887-58.4% |