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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 | $38,678 | $58,600-34.0% | $83,327-53.6% | $64,173-39.7% |
| Participation rate | 55.6% | 72.0%-16.5pp | 77.8%-22.2pp | 69.6%-14.0pp |
| Annual return | -9.50% | 9.66%-19.2pp | 10.64%-20.1pp | 7.63%-17.1pp |
| Employer contribution / active EE | $2,017 | $2,098-3.9% | $3,379-40.3% | $2,381-15.3% |
| Participant deferral / active EE | $3,245 | $4,656-30.3% | $5,565-41.7% | $3,470-6.5% |
| Admin fee / account holder | $1,219 | $9,282-86.9% | $7,540-83.8% | $4,887-75.1% |