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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 | $47,344 | $42,383+11.7% | $76,518-38.1% | $64,173-26.2% |
| Participation rate | 38.7% | 58.1%-19.4pp | 68.0%-29.3pp | 69.6%-30.9pp |
| Annual return | -11.84% | -16.54%+4.7pp | -0.27%-11.6pp | 7.63%-19.5pp |
| Employer contribution / active EE | $3,988 | $1,563+155.1% | $2,647+50.7% | $2,381+67.5% |
| Participant deferral / active EE | $2,728 | $2,566+6.3% | $3,836-28.9% | $3,470-21.4% |
| Admin fee / account holder | $456 | $3,198-85.7% | $4,849-90.6% | $4,887-90.7% |