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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 | $50,665 | $62,589-19.1% | $76,768-34.0% | $64,173-21.0% |
| Participation rate | 51.8% | 72.8%-21.0pp | 77.0%-25.2pp | 69.6%-17.8pp |
| Annual return | -8.13% | -1.95%-6.2pp | 2.43%-10.6pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,376 | $1,832-24.9% | $2,485-44.6% | $2,381-42.2% |
| Participant deferral / active EE | $3,457 | $3,145+9.9% | $3,852-10.3% | $3,470-0.4% |
| Admin fee / account holder | $1,357 | $4,667-70.9% | $6,675-79.7% | $4,887-72.2% |