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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 | $45,642 | $48,364-5.6% | $71,796-36.4% | $62,881-27.4% |
| Participation rate | 49.3% | 60.6%-11.3pp | 69.1%-19.8pp | 69.3%-20.0pp |
| Annual return | 1.53% | 13.16%-11.6pp | 78.04%-76.5pp | 20.14%-18.6pp |
| Employer contribution / active EE | $491 | $1,042-52.9% | $1,924-74.5% | $2,281-78.5% |
| Participant deferral / active EE | $2,441 | $2,091+16.7% | $2,794-12.7% | $3,203-23.8% |
| Admin fee / account holder | $6,270 | $3,771+66.2% | $4,815+30.2% | $4,296+46.0% |