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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 | $44,220 | $52,678-16.1% | $75,784-41.6% | $59,633-25.8% |
| Participation rate | 31.6% | 67.2%-35.6pp | 75.8%-44.2pp | 68.7%-37.1pp |
| Annual return | -8.20% | 2.95%-11.2pp | 9.68%-17.9pp | 2041.45%-2049.6pp |
| Employer contribution / active EE | $394 | $2,193-82.0% | $3,323-88.1% | $2,203-82.1% |
| Participant deferral / active EE | $1,002 | $2,591-61.3% | $3,652-72.6% | $3,192-68.6% |
| Admin fee / account holder | $758 | $3,610-79.0% | $5,300-85.7% | $4,297-82.4% |