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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 | $39,423 | $48,078-18.0% | $78,676-49.9% | $62,881-37.3% |
| Participation rate | 42.9% | 65.2%-22.3pp | 73.6%-30.7pp | 69.3%-26.4pp |
| Annual return | -3.23% | 31.36%-34.6pp | 62.19%-65.4pp | 20.14%-23.4pp |
| Employer contribution / active EE | $887 | $2,015-56.0% | $2,850-68.9% | $2,281-61.1% |
| Participant deferral / active EE | $1,395 | $2,587-46.1% | $3,517-60.3% | $3,203-56.4% |
| Admin fee / account holder | $3,669 | $3,206+14.4% | $4,510-18.6% | $4,296-14.6% |