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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 | $79,671 | $86,949-8.4% | $102,460-22.2% | $80,959-1.6% |
| Participation rate | 39.7% | 72.4%-32.7pp | 76.5%-36.9pp | 67.7%-28.0pp |
| Annual return | -6.15% | 18.89%-25.0pp | 29.47%-35.6pp | 35.67%-41.8pp |
| Employer contribution / active EE | $1,481 | $2,370-37.5% | $3,025-51.0% | $2,757-46.3% |
| Participant deferral / active EE | $4,112 | $4,121-0.2% | $5,056-18.7% | $4,300-4.4% |
| Admin fee / account holder | $4,443 | $8,048-44.8% | $9,460-53.0% | $6,925-35.8% |