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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 | $49,488 | $58,600-15.6% | $83,327-40.6% | $64,173-22.9% |
| Participation rate | 64.4% | 72.0%-7.6pp | 77.8%-13.3pp | 69.6%-5.1pp |
| Annual return | -8.41% | 9.66%-18.1pp | 10.64%-19.0pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,453 | $2,098-30.8% | $3,379-57.0% | $2,381-39.0% |
| Participant deferral / active EE | $4,455 | $4,656-4.3% | $5,565-20.0% | $3,470+28.4% |
| Admin fee / account holder | $1,786 | $9,282-80.8% | $7,540-76.3% | $4,887-63.5% |