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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 | $57,061+7.1% | $85,063-28.2% | $80,911-24.5% |
| Participation rate | 40.3% | 56.3%-16.1pp | 67.5%-27.2pp | 67.6%-27.4pp |
| Annual return | 8.58% | 21.66%-13.1pp | 66.54%-58.0pp | 35.63%-27.0pp |
| Employer contribution / active EE | $648 | $1,799-64.0% | $2,727-76.2% | $2,756-76.5% |
| Participant deferral / active EE | $1,874 | $3,110-39.8% | $4,523-58.6% | $4,297-56.4% |
| Admin fee / account holder | $37,819 | $4,986+658.5% | $6,155+514.4% | $6,935+445.4% |