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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 | $34,044 | $64,719-47.4% | $112,249-69.7% | $68,486-50.3% |
| Participation rate | 45.5% | 67.2%-21.7pp | 75.1%-29.6pp | 67.9%-22.4pp |
| Annual return | -20.45% | -11.40%-9.1pp | 27.48%-47.9pp | -7.85%-12.6pp |
| Employer contribution / active EE | $1,719 | $2,747-37.4% | $3,636-52.7% | $2,597-33.8% |
| Participant deferral / active EE | $4,170 | $3,565+17.0% | $4,729-11.8% | $4,028+3.5% |
| Admin fee / account holder | $627 | $5,232-88.0% | $6,412-90.2% | $5,404-88.4% |