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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 | $40,598 | $73,839-45.0% | $143,788-71.8% | $68,495-40.7% |
| Participation rate | 47.4% | 66.7%-19.3pp | 80.3%-32.9pp | 67.9%-20.5pp |
| Annual return | -20.82% | 1.01%-21.8pp | -0.03%-20.8pp | -7.84%-13.0pp |
| Employer contribution / active EE | $1,615 | $3,184-49.3% | $4,952-67.4% | $2,596-37.8% |
| Participant deferral / active EE | $5,863 | $3,384+73.2% | $5,638+4.0% | $4,028+45.6% |
| Admin fee / account holder | $2,047 | $5,755-64.4% | $14,675-86.1% | $5,403-62.1% |