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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 | $27,660 | $65,027-57.5% | $90,970-69.6% | $79,852-65.4% |
| Participation rate | 50.7% | 61.6%-10.9pp | 69.0%-18.3pp | 69.6%-18.9pp |
| Annual return | 0.89% | 30.45%-29.6pp | 134.58%-133.7pp | 31.72%-30.8pp |
| Employer contribution / active EE | $1,613 | $1,247+29.3% | $2,122-24.0% | $2,471-34.7% |
| Participant deferral / active EE | $3,134 | $2,512+24.8% | $3,373-7.1% | $3,740-16.2% |
| Admin fee / account holder | $2,468 | $4,535-45.6% | $5,960-58.6% | $5,306-53.5% |