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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 | $42,328 | $71,872-41.1% | $86,691-51.2% | $68,495-38.2% |
| Participation rate | 50.0% | 72.2%-22.2pp | 76.6%-26.6pp | 67.9%-17.9pp |
| Annual return | -18.95% | 3.53%-22.5pp | 35.94%-54.9pp | -7.84%-11.1pp |
| Employer contribution / active EE | $1,062 | $2,173-51.1% | $2,837-62.6% | $2,596-59.1% |
| Participant deferral / active EE | $4,144 | $3,779+9.7% | $4,656-11.0% | $4,028+2.9% |
| Admin fee / account holder | $720 | $6,112-88.2% | $7,492-90.4% | $5,403-86.7% |