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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 | $54,177 | $55,002-1.5% | $59,887-9.5% | $56,287-3.7% |
| Participation rate | 43.6% | 75.9%-32.3pp | 74.7%-31.1pp | 69.9%-26.3pp |
| Annual return | -6.93% | 1.13%-8.1pp | 3.46%-10.4pp | -9.96%+3.0pp |
| Employer contribution / active EE | $1,001 | $2,448-59.1% | $2,722-63.2% | $2,111-52.6% |
| Participant deferral / active EE | $1,981 | $3,121-36.5% | $3,402-41.8% | $3,350-40.9% |
| Admin fee / account holder | $6,392 | $236+2611.4% | $3,591+78.0% | $521+1127.1% |