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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 | $71,230-42.0% | $93,727-55.9% | $80,959-48.9% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.0pp | 67.7%-1.0pp |
| Annual return | -2.24% | 11.26%-13.5pp | 133.83%-136.1pp | 35.67%-37.9pp |
| Employer contribution / active EE | $1,949 | $1,565+24.5% | $2,421-19.5% | $2,757-29.3% |
| Participant deferral / active EE | $2,577 | $4,037-36.2% | $4,417-41.7% | $4,300-40.1% |
| Admin fee / account holder | $10,497 | $6,961+50.8% | $8,292+26.6% | $6,925+51.6% |