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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 | $56,051 | $61,660-9.1% | $80,022-30.0% | $64,181-12.7% |
| Participation rate | 40.7% | 71.7%-30.9pp | 75.8%-35.1pp | 69.6%-28.8pp |
| Annual return | -8.12% | -0.33%-7.8pp | 11.22%-19.3pp | 7.63%-15.8pp |
| Employer contribution / active EE | $795 | $1,810-56.1% | $2,468-67.8% | $2,381-66.6% |
| Participant deferral / active EE | $3,426 | $2,968+15.5% | $3,686-7.0% | $3,470-1.2% |
| Admin fee / account holder | $2,603 | $5,417-52.0% | $6,521-60.1% | $4,887-46.7% |