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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 | $45,513 | $64,719-29.7% | $112,249-59.5% | $68,486-33.5% |
| Participation rate | 44.1% | 67.2%-23.1pp | 75.1%-31.0pp | 67.9%-23.8pp |
| Annual return | -20.72% | -11.40%-9.3pp | 27.48%-48.2pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,072 | $2,747-61.0% | $3,636-70.5% | $2,597-58.7% |
| Participant deferral / active EE | $2,418 | $3,565-32.2% | $4,729-48.9% | $4,028-40.0% |
| Admin fee / account holder | $359 | $5,232-93.1% | $6,412-94.4% | $5,404-93.4% |