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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 | $49,772 | $43,504+14.4% | $68,612-27.5% | $56,287-11.6% |
| Participation rate | 56.1% | 67.8%-11.8pp | 72.2%-16.2pp | 69.9%-13.8pp |
| Annual return | -7.62% | -3.15%-4.5pp | -4.63%-3.0pp | -9.96%+2.3pp |
| Employer contribution / active EE | $1,404 | $1,525-8.0% | $2,625-46.5% | $2,111-33.5% |
| Participant deferral / active EE | $2,649 | $2,509+5.6% | $3,311-20.0% | $3,350-20.9% |
| Admin fee / account holder | $1,269 | $515+146.4% | $5,131-75.3% | $521+143.6% |