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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 | $30,411 | $70,002-56.6% | $115,038-73.6% | $52,331-41.9% |
| Participation rate | 62.5% | 72.1%-9.6pp | 81.4%-18.9pp | 68.1%-5.6pp |
| Annual return | -3.13% | 4.04%-7.2pp | 26.14%-29.3pp | 4.54%-7.7pp |
| Employer contribution / active EE | $1,255 | $2,715-53.8% | $4,608-72.8% | $1,882-33.3% |
| Participant deferral / active EE | $4,893 | $4,920-0.5% | $6,026-18.8% | $3,022+61.9% |
| Admin fee / account holder | $5,409 | $566+855.6% | $8,175-33.8% | $592+814.3% |