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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 | $41,741 | $71,873-41.9% | $86,698-51.9% | $68,490-39.1% |
| Participation rate | 58.7% | 72.2%-13.5pp | 76.6%-17.9pp | 67.9%-9.2pp |
| Annual return | -20.17% | 3.54%-23.7pp | 35.96%-56.1pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,760 | $2,173-19.0% | $2,837-37.9% | $2,597-32.2% |
| Participant deferral / active EE | $3,627 | $3,779-4.0% | $4,656-22.1% | $4,028-9.9% |
| Admin fee / account holder | $3,190 | $6,110-47.8% | $7,492-57.4% | $5,403-41.0% |