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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 | $43,558 | $65,125-33.1% | $143,797-69.7% | $66,949-34.9% |
| Participation rate | 52.5% | 65.2%-12.7pp | 80.3%-27.8pp | 69.8%-17.3pp |
| Annual return | -17.97% | -11.13%-6.8pp | -0.04%-17.9pp | 1.57%-19.5pp |
| Employer contribution / active EE | $1,095 | $2,362-53.6% | $4,952-77.9% | $2,545-57.0% |
| Participant deferral / active EE | $3,546 | $2,920+21.4% | $5,638-37.1% | $4,239-16.3% |
| Admin fee / account holder | $6,718 | $503+1236.4% | $14,679-54.2% | $594+1031.8% |