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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 | $40,162 | $72,269-44.4% | $101,271-60.3% | $79,852-49.7% |
| Participation rate | 68.2% | 68.5%-0.3pp | 75.8%-7.6pp | 69.6%-1.5pp |
| Annual return | -3.23% | 22.29%-25.5pp | 46.48%-49.7pp | 31.72%-34.9pp |
| Employer contribution / active EE | $804 | $2,692-70.1% | $3,660-78.0% | $2,471-67.5% |
| Participant deferral / active EE | $2,984 | $3,282-9.1% | $4,371-31.7% | $3,740-20.2% |
| Admin fee / account holder | $1,205 | $4,401-72.6% | $5,948-79.7% | $5,306-77.3% |