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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 | $49,354 | $54,380-9.2% | $68,509-28.0% | $59,633-17.2% |
| Participation rate | 54.2% | 70.2%-16.0pp | 74.7%-20.5pp | 68.7%-14.5pp |
| Annual return | -3.21% | 2.83%-6.0pp | 8.27%-11.5pp | 2041.40%-2044.6pp |
| Employer contribution / active EE | $921 | $1,539-40.2% | $2,278-59.6% | $2,203-58.2% |
| Participant deferral / active EE | $3,036 | $2,643+14.8% | $3,382-10.3% | $3,192-4.9% |
| Admin fee / account holder | $2,595 | $3,885-33.2% | $5,275-50.8% | $4,297-39.6% |