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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 | $51,330 | $41,377+24.1% | $109,313-53.0% | $62,881-18.4% |
| Participation rate | 48.0% | 57.5%-9.5pp | 71.3%-23.3pp | 69.3%-21.3pp |
| Annual return | -3.22% | 11.05%-14.3pp | 22.07%-25.3pp | 20.14%-23.4pp |
| Employer contribution / active EE | $744 | $1,276-41.7% | $3,892-80.9% | $2,281-67.4% |
| Participant deferral / active EE | $1,912 | $2,045-6.5% | $3,166-39.6% | $3,203-40.3% |
| Admin fee / account holder | $2,605 | $2,884-9.7% | $5,666-54.0% | $4,296-39.4% |