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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 | $43,757 | $81,870-46.6% | $119,634-63.4% | $68,490-36.1% |
| Participation rate | 46.7% | 71.9%-25.2pp | 79.3%-32.6pp | 67.9%-21.2pp |
| Annual return | -21.62% | -23.82%+2.2pp | -14.98%-6.6pp | -7.85%-13.8pp |
| Employer contribution / active EE | $1,926 | $2,692-28.5% | $4,232-54.5% | $2,597-25.8% |
| Participant deferral / active EE | $4,069 | $4,148-1.9% | $5,601-27.3% | $4,028+1.0% |
| Admin fee / account holder | $1,131 | $6,583-82.8% | $10,329-89.1% | $5,403-79.1% |