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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 | $56,019 | $87,546-36.0% | $75,784-26.1% | $125,389-55.3% |
| Participation rate | 53.8% | 80.2%-26.3pp | 75.8%-22.0pp | 83.2%-29.3pp |
| Annual return | -5.74% | 13.49%-19.2pp | 9.68%-15.4pp | 282.24%-288.0pp |
| Employer contribution / active EE | $1,276 | $3,930-67.5% | $3,323-61.6% | $4,866-73.8% |
| Participant deferral / active EE | $2,854 | $4,230-32.5% | $3,652-21.8% | $5,352-46.7% |
| Admin fee / account holder | $764 | $6,503-88.3% | $5,300-85.6% | $9,541-92.0% |