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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 | $35,513 | $52,836-32.8% | $105,736-66.4% | $64,173-44.7% |
| Participation rate | 59.5% | 66.5%-7.0pp | 76.3%-16.8pp | 69.6%-10.0pp |
| Annual return | -7.89% | 14.30%-22.2pp | 6.27%-14.2pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,103 | $1,827-39.6% | $3,268-66.3% | $2,381-53.7% |
| Participant deferral / active EE | $1,600 | $2,545-37.1% | $4,080-60.8% | $3,470-53.9% |
| Admin fee / account holder | $986 | $3,959-75.1% | $6,913-85.7% | $4,887-79.8% |