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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 | $50,617 | $49,025+3.2% | $87,502-42.2% | $62,881-19.5% |
| Participation rate | 38.3% | 64.9%-26.6pp | 73.8%-35.5pp | 69.3%-31.0pp |
| Annual return | -1.61% | 10.02%-11.6pp | 12.21%-13.8pp | 20.14%-21.8pp |
| Employer contribution / active EE | $608 | $1,372-55.7% | $2,550-76.2% | $2,281-73.3% |
| Participant deferral / active EE | $1,406 | $2,289-38.6% | $3,149-55.4% | $3,203-56.1% |
| Admin fee / account holder | $3,013 | $4,065-25.9% | $4,221-28.6% | $4,296-29.9% |