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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 | $43,174 | $54,541-20.8% | $78,778-45.2% | $70,126-38.4% |
| Participation rate | 46.7% | 60.8%-14.1pp | 69.2%-22.5pp | 69.5%-22.9pp |
| Annual return | 11.04% | 21.07%-10.0pp | 35.62%-24.6pp | 73.15%-62.1pp |
| Employer contribution / active EE | $392 | $1,089-64.0% | $1,986-80.3% | $2,343-83.3% |
| Participant deferral / active EE | $2,037 | $2,210-7.8% | $2,958-31.1% | $3,332-38.9% |
| Admin fee / account holder | $13,126 | $3,709+253.9% | $5,134+155.7% | $4,645+182.6% |