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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 | $41,996 | $62,583-32.9% | $76,767-45.3% | $64,173-34.6% |
| Participation rate | 46.5% | 72.8%-26.3pp | 77.0%-30.5pp | 69.6%-23.1pp |
| Annual return | -7.85% | -1.95%-5.9pp | 2.43%-10.3pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,251 | $1,832-31.7% | $2,485-49.7% | $2,381-47.4% |
| Participant deferral / active EE | $2,086 | $3,145-33.7% | $3,852-45.8% | $3,470-39.9% |
| Admin fee / account holder | $1,943 | $4,667-58.4% | $6,675-70.9% | $4,887-60.2% |