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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 | $29,329 | $57,073-48.6% | $85,126-65.5% | $80,925-63.8% |
| Participation rate | 54.8% | 56.4%-1.6pp | 67.5%-12.7pp | 67.7%-12.8pp |
| Annual return | 0.06% | 21.69%-21.6pp | 66.63%-66.6pp | 35.65%-35.6pp |
| Employer contribution / active EE | $1,593 | $1,801-11.5% | $2,731-41.7% | $2,756-42.2% |
| Participant deferral / active EE | $1,814 | $3,113-41.7% | $4,523-59.9% | $4,299-57.8% |
| Admin fee / account holder | $1,703 | $4,988-65.9% | $6,160-72.4% | $6,940-75.5% |