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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 | $31,276 | $77,816-59.8% | $123,549-74.7% | $64,181-51.3% |
| Participation rate | 42.6% | 74.7%-32.2pp | 82.3%-39.7pp | 69.6%-27.0pp |
| Annual return | -10.13% | 12.49%-22.6pp | 119.20%-129.3pp | 7.63%-17.8pp |
| Employer contribution / active EE | $1,270 | $3,014-57.9% | $4,628-72.6% | $2,381-46.7% |
| Participant deferral / active EE | $3,060 | $5,240-41.6% | $6,426-52.4% | $3,470-11.8% |
| Admin fee / account holder | $3,220 | $5,519-41.6% | $9,284-65.3% | $4,887-34.1% |