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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 | $45,417 | $73,102-37.9% | $123,553-63.2% | $56,289-19.3% |
| Participation rate | 47.5% | 74.3%-26.8pp | 82.3%-34.8pp | 69.9%-22.3pp |
| Annual return | -8.27% | 3.01%-11.3pp | 119.21%-127.5pp | -9.96%+1.7pp |
| Employer contribution / active EE | $1,202 | $2,977-59.6% | $4,628-74.0% | $2,111-43.1% |
| Participant deferral / active EE | $2,611 | $5,423-51.8% | $6,426-59.4% | $3,350-22.0% |
| Admin fee / account holder | $869 | $554+56.9% | $9,284-90.6% | $521+66.8% |