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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 | $33,296 | $62,583-46.8% | $76,767-56.6% | $64,173-48.1% |
| Participation rate | 54.3% | 72.8%-18.5pp | 77.0%-22.6pp | 69.6%-15.2pp |
| Annual return | -9.32% | -1.95%-7.4pp | 2.43%-11.7pp | 7.63%-16.9pp |
| Employer contribution / active EE | $2,225 | $1,832+21.4% | $2,485-10.5% | $2,381-6.6% |
| Participant deferral / active EE | $4,747 | $3,145+50.9% | $3,852+23.2% | $3,470+36.8% |
| Admin fee / account holder | $2,707 | $4,667-42.0% | $6,675-59.4% | $4,887-44.6% |