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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 | $33,331 | $52,678-36.7% | $75,784-56.0% | $59,633-44.1% |
| Participation rate | 51.9% | 67.2%-15.4pp | 75.8%-24.0pp | 68.7%-16.8pp |
| Annual return | -3.44% | 2.95%-6.4pp | 9.68%-13.1pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $1,675 | $2,193-23.6% | $3,323-49.6% | $2,203-24.0% |
| Participant deferral / active EE | $4,835 | $2,591+86.6% | $3,652+32.4% | $3,192+51.5% |
| Admin fee / account holder | $447 | $3,610-87.6% | $5,300-91.6% | $4,297-89.6% |