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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 | $36,202 | $52,836-31.5% | $105,738-65.8% | $64,173-43.6% |
| Participation rate | 62.1% | 66.5%-4.5pp | 76.3%-14.3pp | 69.6%-7.5pp |
| Annual return | -7.98% | 14.30%-22.3pp | 6.27%-14.3pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,036 | $1,827-43.3% | $3,268-68.3% | $2,381-56.5% |
| Participant deferral / active EE | $2,648 | $2,545+4.0% | $4,080-35.1% | $3,470-23.7% |
| Admin fee / account holder | $1,910 | $3,959-51.7% | $6,913-72.4% | $4,887-60.9% |