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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 | $38,525 | $50,947-24.4% | $74,551-48.3% | $64,173-40.0% |
| Participation rate | 51.7% | 61.1%-9.3pp | 69.1%-17.4pp | 69.6%-17.8pp |
| Annual return | -8.61% | -1.85%-6.8pp | 32.53%-41.1pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,613 | $1,115+44.6% | $1,961-17.7% | $2,381-32.2% |
| Participant deferral / active EE | $4,732 | $2,302+105.6% | $3,108+52.2% | $3,470+36.4% |
| Admin fee / account holder | $786 | $4,221-81.4% | $5,059-84.5% | $4,887-83.9% |