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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 | $64,722 | $32,037+102.0% | $69,182-6.4% | $62,881+2.9% |
| Participation rate | 39.6% | 43.4%-3.8pp | 55.1%-15.5pp | 69.3%-29.7pp |
| Annual return | 1.83% | 15.16%-13.3pp | -21.93%+23.8pp | 20.14%-18.3pp |
| Employer contribution / active EE | $1,220 | $679+79.6% | $1,206+1.1% | $2,281-46.5% |
| Participant deferral / active EE | $2,723 | $1,185+129.7% | $1,897+43.6% | $3,203-15.0% |
| Admin fee / account holder | $368 | $2,608-85.9% | $2,697-86.4% | $4,296-91.4% |