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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 | $61,105 | $57,140+6.9% | $85,240-28.3% | $80,959-24.5% |
| Participation rate | 40.3% | 56.4%-16.1pp | 67.5%-27.3pp | 67.7%-27.4pp |
| Annual return | 8.58% | 21.71%-13.1pp | 66.75%-58.2pp | 35.67%-27.1pp |
| Employer contribution / active EE | $648 | $1,802-64.0% | $2,735-76.3% | $2,757-76.5% |
| Participant deferral / active EE | $1,874 | $3,115-39.9% | $4,527-58.6% | $4,300-56.4% |
| Admin fee / account holder | $37,819 | $4,992+657.6% | $6,165+513.5% | $6,925+446.1% |