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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 | $46,910 | $48,364-3.0% | $71,796-34.7% | $62,881-25.4% |
| Participation rate | 30.0% | 60.6%-30.6pp | 69.1%-39.1pp | 69.3%-39.3pp |
| Annual return | -1.45% | 13.16%-14.6pp | 78.04%-79.5pp | 20.14%-21.6pp |
| Employer contribution / active EE | $870 | $1,042-16.5% | $1,924-54.8% | $2,281-61.8% |
| Participant deferral / active EE | $1,527 | $2,091-27.0% | $2,794-45.3% | $3,203-52.3% |
| Admin fee / account holder | $3,887 | $3,771+3.1% | $4,815-19.3% | $4,296-9.5% |