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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 | $35,040 | $72,177-51.5% | $115,038-69.5% | $59,633-41.2% |
| Participation rate | 54.5% | 72.6%-18.0pp | 81.4%-26.8pp | 68.7%-14.1pp |
| Annual return | -4.12% | 12.02%-16.1pp | 26.14%-30.3pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $2,637 | $2,841-7.2% | $4,608-42.8% | $2,203+19.7% |
| Participant deferral / active EE | $4,817 | $4,783+0.7% | $6,026-20.1% | $3,192+50.9% |
| Admin fee / account holder | $1,884 | $4,927-61.8% | $8,175-77.0% | $4,297-56.2% |