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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 | $31,923 | $72,177-55.8% | $115,038-72.3% | $59,633-46.5% |
| Participation rate | 57.1% | 72.6%-15.4pp | 81.4%-24.2pp | 68.7%-11.5pp |
| Annual return | -2.55% | 12.02%-14.6pp | 26.14%-28.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $1,452 | $2,841-48.9% | $4,608-68.5% | $2,203-34.1% |
| Participant deferral / active EE | $2,979 | $4,783-37.7% | $6,026-50.6% | $3,192-6.7% |
| Admin fee / account holder | $2,101 | $4,927-57.4% | $8,175-74.3% | $4,297-51.1% |