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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 | $111,497 | $215,361-48.2% | $171,082-34.8% | $273,972-59.3% |
| Participation rate | 56.3% | 82.0%-25.8pp | 76.7%-20.4pp | 83.0%-26.8pp |
| Annual return | -0.53% | 25.14%-25.7pp | 32.56%-33.1pp | 41.46%-42.0pp |
| Employer contribution / active EE | $600 | $4,967-87.9% | $4,002-85.0% | $4,869-87.7% |
| Participant deferral / active EE | $5,549 | $5,543+0.1% | $4,797+15.7% | $5,287+5.0% |
| Admin fee / account holder | $2,254 | $10,846-79.2% | $8,520-73.5% | $10,133-77.8% |