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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 | $39,901 | $52,678-24.3% | $75,784-47.3% | $59,633-33.1% |
| Participation rate | 56.3% | 67.2%-10.9pp | 75.8%-19.5pp | 68.7%-12.3pp |
| Annual return | -4.21% | 2.95%-7.2pp | 9.68%-13.9pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $1,418 | $2,193-35.4% | $3,323-57.3% | $2,203-35.6% |
| Participant deferral / active EE | $2,344 | $2,591-9.5% | $3,652-35.8% | $3,192-26.5% |
| Admin fee / account holder | $999 | $3,610-72.3% | $5,300-81.1% | $4,297-76.7% |