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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 | $44,163 | $61,660-28.4% | $80,022-44.8% | $64,173-31.2% |
| Participation rate | 51.5% | 71.7%-20.2pp | 75.8%-24.3pp | 69.6%-18.1pp |
| Annual return | -7.68% | -0.33%-7.4pp | 11.22%-18.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,755 | $1,810-3.1% | $2,468-28.9% | $2,381-26.3% |
| Participant deferral / active EE | $2,642 | $2,968-11.0% | $3,686-28.3% | $3,470-23.9% |
| Admin fee / account holder | $1,041 | $5,417-80.8% | $6,521-84.0% | $4,887-78.7% |