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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 | $38,742 | $40,275-3.8% | $57,356-32.5% | $59,633-35.0% |
| Participation rate | 36.0% | 69.1%-33.1pp | 75.1%-39.1pp | 68.7%-32.7pp |
| Annual return | -2.16% | 27.52%-29.7pp | 24.41%-26.6pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $2,730 | $1,921+42.1% | $2,689+1.5% | $2,203+23.9% |
| Participant deferral / active EE | $4,522 | $2,400+88.4% | $3,162+43.0% | $3,192+41.7% |
| Admin fee / account holder | $917 | $2,820-67.5% | $3,357-72.7% | $4,297-78.7% |