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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 | $45,834 | $59,834-23.4% | $79,576-42.4% | $68,495-33.1% |
| Participation rate | 59.6% | 61.1%-1.5pp | 69.5%-9.9pp | 67.9%-8.3pp |
| Annual return | -20.42% | -12.30%-8.1pp | 0.15%-20.6pp | -7.84%-12.6pp |
| Employer contribution / active EE | $1,444 | $1,505-4.0% | $2,413-40.2% | $2,596-44.4% |
| Participant deferral / active EE | $2,544 | $3,024-15.9% | $3,985-36.2% | $4,028-36.8% |
| Admin fee / account holder | $4,677 | $4,835-3.3% | $6,834-31.6% | $5,403-13.4% |