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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 | $31,627 | $62,589-49.5% | $76,768-58.8% | $64,173-50.7% |
| Participation rate | 61.8% | 72.8%-11.1pp | 77.0%-15.2pp | 69.6%-7.8pp |
| Annual return | -8.52% | -1.95%-6.6pp | 2.43%-10.9pp | 7.63%-16.1pp |
| Employer contribution / active EE | $2,545 | $1,832+38.9% | $2,485+2.4% | $2,381+6.9% |
| Participant deferral / active EE | $2,778 | $3,145-11.7% | $3,852-27.9% | $3,470-19.9% |
| Admin fee / account holder | $1,164 | $4,667-75.1% | $6,675-82.6% | $4,887-76.2% |