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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 | $59,958 | $46,697+28.4% | $117,533-49.0% | $68,486-12.5% |
| Participation rate | 33.3% | 56.8%-23.4pp | 70.6%-37.3pp | 67.9%-34.6pp |
| Annual return | -21.45% | -14.52%-6.9pp | 29.77%-51.2pp | -7.85%-13.6pp |
| Employer contribution / active EE | $1,020 | $1,506-32.3% | $4,179-75.6% | $2,597-60.7% |
| Participant deferral / active EE | $2,516 | $2,637-4.6% | $4,072-38.2% | $4,028-37.5% |
| Admin fee / account holder | $1,521 | $4,023-62.2% | $5,647-73.1% | $5,404-71.8% |