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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 | $34,345 | $77,816-55.9% | $123,552-72.2% | $64,173-46.5% |
| Participation rate | 69.0% | 74.7%-5.7pp | 82.3%-13.3pp | 69.6%-0.6pp |
| Annual return | -8.78% | 12.49%-21.3pp | 119.20%-128.0pp | 7.63%-16.4pp |
| Employer contribution / active EE | $2,121 | $3,014-29.6% | $4,628-54.2% | $2,381-10.9% |
| Participant deferral / active EE | $3,935 | $5,240-24.9% | $6,426-38.8% | $3,470+13.4% |
| Admin fee / account holder | $1,213 | $5,519-78.0% | $9,285-86.9% | $4,887-75.2% |