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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 | $32,624 | $52,836-38.3% | $105,736-69.1% | $64,173-49.2% |
| Participation rate | 58.3% | 66.5%-8.2pp | 76.3%-18.0pp | 69.6%-11.2pp |
| Annual return | -8.53% | 14.30%-22.8pp | 6.27%-14.8pp | 7.63%-16.2pp |
| Employer contribution / active EE | $2,975 | $1,827+62.9% | $3,268-9.0% | $2,381+25.0% |
| Participant deferral / active EE | $2,574 | $2,545+1.1% | $4,080-36.9% | $3,470-25.8% |
| Admin fee / account holder | $834 | $3,959-78.9% | $6,913-87.9% | $4,887-82.9% |