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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 | $52,898 | $73,863-28.4% | $143,797-63.2% | $68,490-22.8% |
| Participation rate | 54.9% | 66.7%-11.8pp | 80.3%-25.4pp | 67.9%-13.0pp |
| Annual return | -20.56% | 0.91%-21.5pp | -0.04%-20.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $1,745 | $3,185-45.2% | $4,952-64.8% | $2,597-32.8% |
| Participant deferral / active EE | $4,336 | $3,385+28.1% | $5,638-23.1% | $4,028+7.6% |
| Admin fee / account holder | $5,784 | $5,756+0.5% | $14,679-60.6% | $5,403+7.1% |