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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 | $46,789 | $71,872-34.9% | $86,691-46.0% | $68,495-31.7% |
| Participation rate | 57.7% | 72.2%-14.6pp | 76.6%-18.9pp | 67.9%-10.2pp |
| Annual return | -19.14% | 3.53%-22.7pp | 35.94%-55.1pp | -7.84%-11.3pp |
| Employer contribution / active EE | $975 | $2,173-55.2% | $2,837-65.6% | $2,596-62.5% |
| Participant deferral / active EE | $3,526 | $3,779-6.7% | $4,656-24.3% | $4,028-12.4% |
| Admin fee / account holder | $2,404 | $6,112-60.7% | $7,492-67.9% | $5,403-55.5% |