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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 | $42,229 | $59,819-29.4% | $79,583-46.9% | $68,490-38.3% |
| Participation rate | 68.4% | 61.1%+7.3pp | 69.5%-1.1pp | 67.9%+0.5pp |
| Annual return | -19.98% | -12.30%-7.7pp | 0.16%-20.1pp | -7.85%-12.1pp |
| Employer contribution / active EE | $977 | $1,505-35.1% | $2,414-59.5% | $2,597-62.4% |
| Participant deferral / active EE | $2,766 | $3,025-8.6% | $3,986-30.6% | $4,028-31.3% |
| Admin fee / account holder | $3,570 | $4,835-26.2% | $6,835-47.8% | $5,403-33.9% |