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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 | $38,123 | $40,275-5.3% | $57,356-33.5% | $59,633-36.1% |
| Participation rate | 41.5% | 69.1%-27.6pp | 75.1%-33.6pp | 68.7%-27.2pp |
| Annual return | -3.42% | 27.52%-30.9pp | 24.41%-27.8pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $736 | $1,921-61.7% | $2,689-72.6% | $2,203-66.6% |
| Participant deferral / active EE | $2,717 | $2,400+13.2% | $3,162-14.1% | $3,192-14.9% |
| Admin fee / account holder | $1,164 | $2,820-58.7% | $3,357-65.3% | $4,297-72.9% |