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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 | $27,224 | $59,839-54.5% | $81,991-66.8% | $79,852-65.9% |
| Participation rate | 44.4% | 61.6%-17.2pp | 69.3%-24.8pp | 69.6%-25.2pp |
| Annual return | -2.00% | 17.56%-19.6pp | 41.31%-43.3pp | 31.72%-33.7pp |
| Employer contribution / active EE | $1,295 | $1,713-24.4% | $2,498-48.1% | $2,471-47.6% |
| Participant deferral / active EE | $3,144 | $2,695+16.6% | $3,722-15.6% | $3,740-16.0% |
| Admin fee / account holder | $3,502 | $4,287-18.3% | $5,665-38.2% | $5,306-34.0% |