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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 | $43,916 | $81,487-46.1% | $102,412-57.1% | $80,935-45.7% |
| Participation rate | 60.9% | 66.8%-5.9pp | 74.5%-13.6pp | 67.7%-6.7pp |
| Annual return | -2.48% | 25.60%-28.1pp | 24.94%-27.4pp | 35.66%-38.1pp |
| Employer contribution / active EE | $3,035 | $3,103-2.2% | $3,870-21.6% | $2,757+10.1% |
| Participant deferral / active EE | $4,497 | $3,871+16.2% | $5,060-11.1% | $4,299+4.6% |
| Admin fee / account holder | $1,161 | $6,717-82.7% | $8,388-86.2% | $6,924-83.2% |