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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 | $48,929 | $58,851-16.9% | $115,167-57.5% | $72,976-33.0% |
| Participation rate | 58.8% | 65.5%-6.7pp | 75.9%-17.1pp | 69.5%-10.7pp |
| Annual return | -4.92% | 23.16%-28.1pp | 35.60%-40.5pp | 81.02%-85.9pp |
| Employer contribution / active EE | $1,545 | $1,798-14.1% | $3,179-51.4% | $2,440-36.7% |
| Participant deferral / active EE | $3,159 | $2,643+19.5% | $4,169-24.2% | $3,608-12.4% |
| Admin fee / account holder | $7,708 | $6,370+21.0% | $7,089+8.7% | $5,124+50.4% |