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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 | $42,231 | $64,729-34.8% | $112,263-62.4% | $68,490-38.3% |
| Participation rate | 45.1% | 67.2%-22.1pp | 75.1%-30.0pp | 67.9%-22.8pp |
| Annual return | -21.97% | -11.40%-10.6pp | 27.49%-49.5pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,057 | $2,746-61.5% | $3,636-70.9% | $2,597-59.3% |
| Participant deferral / active EE | $2,496 | $3,566-30.0% | $4,729-47.2% | $4,028-38.0% |
| Admin fee / account holder | $5,807 | $5,222+11.2% | $6,410-9.4% | $5,403+7.5% |