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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 | $36,303 | $55,684-34.8% | $75,900-52.2% | $72,976-50.3% |
| Participation rate | 37.0% | 61.1%-24.2pp | 69.3%-32.3pp | 69.5%-32.5pp |
| Annual return | -0.45% | 27.60%-28.0pp | 30.73%-31.2pp | 81.02%-81.5pp |
| Employer contribution / active EE | $1,090 | $1,687-35.4% | $2,501-56.4% | $2,440-55.3% |
| Participant deferral / active EE | $2,134 | $2,634-19.0% | $3,604-40.8% | $3,608-40.9% |
| Admin fee / account holder | $2,105 | $3,981-47.1% | $5,421-61.2% | $5,124-58.9% |