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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 | $55,567 | $72,177-23.0% | $115,038-51.7% | $59,633-6.8% |
| Participation rate | 26.7% | 72.6%-45.9pp | 81.4%-54.7pp | 68.7%-42.0pp |
| Annual return | -3.93% | 12.02%-16.0pp | 26.14%-30.1pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $676 | $2,841-76.2% | $4,608-85.3% | $2,203-69.3% |
| Participant deferral / active EE | $2,332 | $4,783-51.3% | $6,026-61.3% | $3,192-26.9% |
| Admin fee / account holder | $4,996 | $4,927+1.4% | $8,175-38.9% | $4,297+16.3% |