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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 | $46,496 | $67,894-31.5% | $89,340-48.0% | $82,448-43.6% |
| Participation rate | 35.3% | 64.0%-28.8pp | 69.6%-34.3pp | 68.1%-32.8pp |
| Annual return | 10.81% | 19.21%-8.4pp | 20.57%-9.8pp | 41.64%-30.8pp |
| Employer contribution / active EE | $696 | $1,828-61.9% | $2,231-68.8% | $2,551-72.7% |
| Participant deferral / active EE | $1,861 | $3,072-39.4% | $3,823-51.3% | $4,139-55.0% |
| Admin fee / account holder | $24,742 | $5,723+332.3% | $6,704+269.1% | $7,234+242.0% |