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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 | $63,847 | $88,042-27.5% | $138,135-53.8% | $79,856-20.0% |
| Participation rate | 40.0% | 71.4%-31.4pp | 78.7%-38.7pp | 69.6%-29.6pp |
| Annual return | 3.55% | 20.58%-17.0pp | 20.51%-17.0pp | 31.71%-28.2pp |
| Employer contribution / active EE | $1,501 | $3,103-51.6% | $5,587-73.1% | $2,471-39.3% |
| Participant deferral / active EE | $2,424 | $4,704-48.5% | $6,431-62.3% | $3,741-35.2% |
| Admin fee / account holder | $28,995 | $7,791+272.1% | $11,856+144.6% | $5,306+446.4% |