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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 | $48,339 | $54,726-11.7% | $68,793-29.7% | $64,181-24.7% |
| Participation rate | 51.4% | 68.0%-16.7pp | 72.2%-20.9pp | 69.6%-18.2pp |
| Annual return | -9.97% | -1.62%-8.3pp | -4.63%-5.3pp | 7.63%-17.6pp |
| Employer contribution / active EE | $1,345 | $1,846-27.2% | $2,625-48.8% | $2,381-43.5% |
| Participant deferral / active EE | $3,177 | $2,626+21.0% | $3,311-4.0% | $3,470-8.4% |
| Admin fee / account holder | $468 | $4,027-88.4% | $5,131-90.9% | $4,887-90.4% |