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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 | $55,443 | $73,863-24.9% | $143,797-61.4% | $68,490-19.1% |
| Participation rate | 51.7% | 66.7%-14.9pp | 80.3%-28.6pp | 67.9%-16.2pp |
| Annual return | -19.50% | 0.91%-20.4pp | -0.04%-19.5pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,298 | $3,185-27.8% | $4,952-53.6% | $2,597-11.5% |
| Participant deferral / active EE | $4,824 | $3,385+42.5% | $5,638-14.4% | $4,028+19.8% |
| Admin fee / account holder | $1,120 | $5,756-80.5% | $14,679-92.4% | $5,403-79.3% |