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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 | $44,425 | $181,896-75.6% | $156,551-71.6% | $273,972-83.8% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | -1.01% | 30.74%-31.7pp | 32.23%-33.2pp | 41.46%-42.5pp |
| Employer contribution / active EE | $3,782 | $6,248-39.5% | $5,501-31.2% | $4,869-22.3% |
| Participant deferral / active EE | $4,340 | $5,550-21.8% | $4,871-10.9% | $5,287-17.9% |
| Admin fee / account holder | $5,255 | $15,560-66.2% | $13,028-59.7% | $10,133-48.1% |