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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 | $38,109 | $87,546-56.5% | $75,784-49.7% | $125,389-69.6% |
| Participation rate | 58.3% | 80.2%-21.8pp | 75.8%-17.5pp | 83.2%-24.9pp |
| Annual return | -5.31% | 13.49%-18.8pp | 9.68%-15.0pp | 282.24%-287.5pp |
| Employer contribution / active EE | $981 | $3,930-75.0% | $3,323-70.5% | $4,866-79.8% |
| Participant deferral / active EE | $2,796 | $4,230-33.9% | $3,652-23.4% | $5,352-47.7% |
| Admin fee / account holder | $1,140 | $6,503-82.5% | $5,300-78.5% | $9,541-88.0% |