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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 | $37,665 | $71,480-47.3% | $90,782-58.5% | $64,173-41.3% |
| Participation rate | 60.0% | 77.6%-17.6pp | 82.7%-22.7pp | 69.6%-9.6pp |
| Annual return | -9.87% | -4.25%-5.6pp | -3.42%-6.5pp | 7.63%-17.5pp |
| Employer contribution / active EE | $1,865 | $3,415-45.4% | $4,105-54.6% | $2,381-21.7% |
| Participant deferral / active EE | $4,329 | $4,302+0.6% | $5,366-19.3% | $3,470+24.8% |
| Admin fee / account holder | $2,843 | $6,309-54.9% | $5,908-51.9% | $4,887-41.8% |