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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 | $16,445 | $32,037-48.7% | $69,182-76.2% | $62,881-73.8% |
| Participation rate | 55.1% | 43.4%+11.7pp | 55.1%0pp | 69.3%-14.2pp |
| Annual return | 3.73% | 15.16%-11.4pp | -21.93%+25.7pp | 20.14%-16.4pp |
| Employer contribution / active EE | $562 | $679-17.2% | $1,206-53.4% | $2,281-75.3% |
| Participant deferral / active EE | $2,199 | $1,185+85.5% | $1,897+15.9% | $3,203-31.3% |
| Admin fee / account holder | $4,648 | $2,608+78.2% | $2,697+72.4% | $4,296+8.2% |