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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 | $47,834 | $64,729-26.1% | $112,263-57.4% | $68,490-30.2% |
| Participation rate | 52.0% | 67.2%-15.2pp | 75.1%-23.1pp | 67.9%-15.9pp |
| Annual return | -20.82% | -11.40%-9.4pp | 27.49%-48.3pp | -7.85%-13.0pp |
| Employer contribution / active EE | $1,460 | $2,746-46.8% | $3,636-59.8% | $2,597-43.8% |
| Participant deferral / active EE | $4,251 | $3,566+19.2% | $4,729-10.1% | $4,028+5.5% |
| Admin fee / account holder | $4,523 | $5,222-13.4% | $6,410-29.4% | $5,403-16.3% |