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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 | $52,059 | $71,872-27.6% | $86,691-39.9% | $68,495-24.0% |
| Participation rate | 39.7% | 72.2%-32.5pp | 76.6%-36.8pp | 67.9%-28.1pp |
| Annual return | -19.54% | 3.53%-23.1pp | 35.94%-55.5pp | -7.84%-11.7pp |
| Employer contribution / active EE | $1,767 | $2,173-18.7% | $2,837-37.7% | $2,596-32.0% |
| Participant deferral / active EE | $2,729 | $3,779-27.8% | $4,656-41.4% | $4,028-32.2% |
| Admin fee / account holder | $6,147 | $6,112+0.6% | $7,492-18.0% | $5,403+13.8% |