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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 | $41,347 | $71,197-41.9% | $93,669-55.9% | $80,925-48.9% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.1pp | 67.7%-1.0pp |
| Annual return | -2.24% | 11.27%-13.5pp | 133.59%-135.8pp | 35.65%-37.9pp |
| Employer contribution / active EE | $1,949 | $1,565+24.6% | $2,424-19.6% | $2,756-29.3% |
| Participant deferral / active EE | $2,577 | $4,036-36.1% | $4,416-41.6% | $4,299-40.0% |
| Admin fee / account holder | $10,497 | $6,959+50.8% | $8,291+26.6% | $6,940+51.3% |