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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 | $34,094 | $54,380-37.3% | $68,509-50.2% | $59,633-42.8% |
| Participation rate | 48.5% | 70.2%-21.7pp | 74.7%-26.2pp | 68.7%-20.2pp |
| Annual return | -8.92% | 2.83%-11.8pp | 8.27%-17.2pp | 2041.45%-2050.4pp |
| Employer contribution / active EE | $2,199 | $1,539+42.9% | $2,278-3.5% | $2,203-0.2% |
| Participant deferral / active EE | $5,494 | $2,643+107.8% | $3,382+62.4% | $3,192+72.1% |
| Admin fee / account holder | $1,633 | $3,885-58.0% | $5,275-69.0% | $4,297-62.0% |