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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 | $44,767 | $57,061-21.5% | $85,063-47.4% | $80,911-44.7% |
| Participation rate | 21.3% | 56.3%-35.1pp | 67.5%-46.2pp | 67.6%-46.4pp |
| Annual return | 9.41% | 21.66%-12.3pp | 66.54%-57.1pp | 35.63%-26.2pp |
| Employer contribution / active EE | $424 | $1,799-76.4% | $2,727-84.5% | $2,756-84.6% |
| Participant deferral / active EE | $795 | $3,110-74.5% | $4,523-82.4% | $4,297-81.5% |
| Admin fee / account holder | $11,918 | $4,986+139.0% | $6,155+93.6% | $6,935+71.9% |