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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 | $45,392 | $73,978-38.6% | $96,515-53.0% | $75,173-39.6% |
| Participation rate | 47.5% | 66.4%-18.9pp | 74.3%-26.8pp | 67.2%-19.7pp |
| Annual return | -6.70% | 26.72%-33.4pp | 35.73%-42.4pp | 160.72%-167.4pp |
| Employer contribution / active EE | $1,014 | $2,931-65.4% | $3,740-72.9% | $2,671-62.0% |
| Participant deferral / active EE | $2,110 | $3,660-42.3% | $4,880-56.8% | $4,126-48.9% |
| Admin fee / account holder | $894 | $5,219-82.9% | $6,735-86.7% | $5,651-84.2% |