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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 | $43,203 | $67,411-35.9% | $91,004-52.5% | $70,126-38.4% |
| Participation rate | 48.0% | 71.4%-23.4pp | 75.6%-27.6pp | 69.5%-21.5pp |
| Annual return | 12.48% | -40.16%+52.6pp | 4.60%+7.9pp | 73.15%-60.7pp |
| Employer contribution / active EE | $582 | $1,786-67.4% | $2,456-76.3% | $2,343-75.1% |
| Participant deferral / active EE | $1,543 | $2,823-45.3% | $3,548-56.5% | $3,332-53.7% |
| Admin fee / account holder | $2,398 | $4,236-43.4% | $5,417-55.7% | $4,645-48.4% |