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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 | $79,542 | $54,162+46.9% | $68,612+15.9% | $64,173+23.9% |
| Participation rate | 38.5% | 68.1%-29.6pp | 72.2%-33.8pp | 69.6%-31.1pp |
| Annual return | -9.87% | -1.62%-8.3pp | -4.63%-5.2pp | 7.63%-17.5pp |
| Employer contribution / active EE | $1,892 | $1,846+2.5% | $2,625-27.9% | $2,381-20.5% |
| Participant deferral / active EE | $3,434 | $2,626+30.8% | $3,311+3.7% | $3,470-1.0% |
| Admin fee / account holder | $768 | $4,029-80.9% | $5,131-85.0% | $4,887-84.3% |