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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 | $36,934 | $59,839-38.3% | $81,991-55.0% | $79,852-53.7% |
| Participation rate | 38.7% | 61.6%-22.9pp | 69.3%-30.5pp | 69.6%-30.9pp |
| Annual return | -4.50% | 17.56%-22.1pp | 41.31%-45.8pp | 31.72%-36.2pp |
| Employer contribution / active EE | $3,424 | $1,713+99.8% | $2,498+37.0% | $2,471+38.5% |
| Participant deferral / active EE | $1,650 | $2,695-38.8% | $3,722-55.7% | $3,740-55.9% |
| Admin fee / account holder | $5,542 | $4,287+29.3% | $5,665-2.2% | $5,306+4.4% |