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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 | $39,159 | $62,589-37.4% | $76,768-49.0% | $64,173-39.0% |
| Participation rate | 46.2% | 72.8%-26.7pp | 77.0%-30.8pp | 69.6%-23.4pp |
| Annual return | -8.37% | -1.95%-6.4pp | 2.43%-10.8pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,447 | $1,832-21.0% | $2,485-41.8% | $2,381-39.2% |
| Participant deferral / active EE | $3,617 | $3,145+15.0% | $3,852-6.1% | $3,470+4.3% |
| Admin fee / account holder | $6,915 | $4,667+48.2% | $6,675+3.6% | $4,887+41.5% |