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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 | $36,286 | $39,132-7.3% | $57,196-36.6% | $62,881-42.3% |
| Participation rate | 53.5% | 70.5%-17.0pp | 75.3%-21.8pp | 69.3%-15.8pp |
| Annual return | -1.14% | 9.24%-10.4pp | 14.59%-15.7pp | 20.14%-21.3pp |
| Employer contribution / active EE | $1,408 | $1,874-24.9% | $2,683-47.5% | $2,281-38.3% |
| Participant deferral / active EE | $2,124 | $2,374-10.5% | $3,096-31.4% | $3,203-33.7% |
| Admin fee / account holder | $4,574 | $2,594+76.3% | $3,141+45.6% | $4,296+6.5% |