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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 | $36,081 | $72,177-50.0% | $115,037-68.6% | $59,633-39.5% |
| Participation rate | 56.0% | 72.6%-16.6pp | 81.4%-25.4pp | 68.7%-12.7pp |
| Annual return | -3.89% | 12.02%-15.9pp | 26.14%-30.0pp | 2041.40%-2045.3pp |
| Employer contribution / active EE | $780 | $2,841-72.6% | $4,608-83.1% | $2,203-64.6% |
| Participant deferral / active EE | $2,048 | $4,783-57.2% | $6,026-66.0% | $3,192-35.8% |
| Admin fee / account holder | $540 | $4,927-89.0% | $8,175-93.4% | $4,297-87.4% |