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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 | $40,753 | $60,165-32.3% | $74,184-45.1% | $55,167-26.1% |
| Participation rate | 61.0% | 74.2%-13.2pp | 76.6%-15.6pp | 69.0%-8.0pp |
| Annual return | 5.16% | 10.00%-4.8pp | 17.74%-12.6pp | 169.23%-164.1pp |
| Employer contribution / active EE | $433 | $1,600-72.9% | $2,370-81.7% | $1,963-77.9% |
| Participant deferral / active EE | $2,226 | $2,973-25.1% | $3,550-37.3% | $3,054-27.1% |
| Admin fee / account holder | $4,846 | $419+1055.8% | $5,586-13.2% | $504+861.7% |