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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 | $25,954 | $39,132-33.7% | $57,196-54.6% | $62,881-58.7% |
| Participation rate | 44.3% | 70.5%-26.2pp | 75.3%-31.1pp | 69.3%-25.0pp |
| Annual return | -1.65% | 9.24%-10.9pp | 14.59%-16.2pp | 20.14%-21.8pp |
| Employer contribution / active EE | $1,704 | $1,874-9.1% | $2,683-36.5% | $2,281-25.3% |
| Participant deferral / active EE | $2,025 | $2,374-14.7% | $3,096-34.6% | $3,203-36.8% |
| Admin fee / account holder | $1,582 | $2,594-39.0% | $3,141-49.6% | $4,296-63.2% |