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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 | $47,607 | $83,485-43.0% | $125,195-62.0% | $72,976-34.8% |
| Participation rate | 69.6% | 73.3%-3.7pp | 79.8%-10.1pp | 69.5%+0.2pp |
| Annual return | -4.94% | 25.77%-30.7pp | 43.79%-48.7pp | 81.02%-86.0pp |
| Employer contribution / active EE | $1,227 | $2,346-47.7% | $3,866-68.3% | $2,440-49.7% |
| Participant deferral / active EE | $3,055 | $3,586-14.8% | $4,937-38.1% | $3,608-15.3% |
| Admin fee / account holder | $5,712 | $5,518+3.5% | $9,704-41.1% | $5,124+11.5% |