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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 | $29,890 | $57,590-48.1% | $86,233-65.3% | $82,448-63.7% |
| Participation rate | 41.9% | 57.9%-16.0pp | 69.0%-27.2pp | 68.1%-26.2pp |
| Annual return | 10.38% | 22.41%-12.0pp | 61.39%-51.0pp | 41.64%-31.3pp |
| Employer contribution / active EE | $1,727 | $1,655+4.3% | $2,504-31.0% | $2,551-32.3% |
| Participant deferral / active EE | $2,658 | $3,080-13.7% | $4,559-41.7% | $4,139-35.8% |
| Admin fee / account holder | $39,140 | $4,730+727.4% | $8,342+369.2% | $7,234+441.0% |