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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 | $39,195 | $71,878-45.5% | $86,698-54.8% | $68,486-42.8% |
| Participation rate | 50.0% | 72.2%-22.2pp | 76.6%-26.6pp | 67.9%-17.9pp |
| Annual return | -19.62% | 3.53%-23.2pp | 35.95%-55.6pp | -7.85%-11.8pp |
| Employer contribution / active EE | $1,293 | $2,173-40.5% | $2,837-54.4% | $2,597-50.2% |
| Participant deferral / active EE | $3,244 | $3,779-14.1% | $4,656-30.3% | $4,028-19.4% |
| Admin fee / account holder | $8,562 | $6,113+40.1% | $7,493+14.3% | $5,404+58.4% |