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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 | $45,543 | $32,037+42.2% | $69,182-34.2% | $62,881-27.6% |
| Participation rate | 42.1% | 43.4%-1.3pp | 55.1%-13.0pp | 69.3%-27.2pp |
| Annual return | 1.39% | 15.16%-13.8pp | -21.93%+23.3pp | 20.14%-18.8pp |
| Employer contribution / active EE | $450 | $679-33.8% | $1,206-62.7% | $2,281-80.3% |
| Participant deferral / active EE | $1,477 | $1,185+24.6% | $1,897-22.1% | $3,203-53.9% |
| Admin fee / account holder | $385 | $2,608-85.2% | $2,697-85.7% | $4,296-91.0% |