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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 | $43,536 | $73,009-40.4% | $90,760-52.0% | $68,486-36.4% |
| Participation rate | 57.5% | 70.8%-13.4pp | 75.7%-18.2pp | 67.9%-10.4pp |
| Annual return | -18.97% | -13.81%-5.2pp | -12.16%-6.8pp | -7.85%-11.1pp |
| Employer contribution / active EE | $873 | $2,193-60.2% | $2,922-70.1% | $2,597-66.4% |
| Participant deferral / active EE | $3,048 | $3,626-15.9% | $4,565-33.2% | $4,028-24.3% |
| Admin fee / account holder | $9,017 | $5,896+52.9% | $8,444+6.8% | $5,404+66.9% |