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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 | $38,998 | $72,388-46.1% | $111,392-65.0% | $64,173-39.2% |
| Participation rate | 61.5% | 70.5%-9.0pp | 78.9%-17.3pp | 69.6%-8.0pp |
| Annual return | -10.42% | -1.50%-8.9pp | -2.06%-8.4pp | 7.63%-18.1pp |
| Employer contribution / active EE | $2,832 | $3,000-5.6% | $4,328-34.6% | $2,381+18.9% |
| Participant deferral / active EE | $4,577 | $4,241+7.9% | $5,567-17.8% | $3,470+31.9% |
| Admin fee / account holder | $876 | $5,719-84.7% | $12,266-92.9% | $4,887-82.1% |