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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 | $32,252 | $52,836-39.0% | $105,738-69.5% | $64,173-49.7% |
| Participation rate | 35.3% | 66.5%-31.3pp | 76.3%-41.0pp | 69.6%-34.3pp |
| Annual return | -8.61% | 14.30%-22.9pp | 6.27%-14.9pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,384 | $1,827-24.2% | $3,268-57.6% | $2,381-41.9% |
| Participant deferral / active EE | $2,364 | $2,545-7.1% | $4,080-42.1% | $3,470-31.9% |
| Admin fee / account holder | $3,840 | $3,959-3.0% | $6,913-44.4% | $4,887-21.4% |