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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 | $89,857 | $114,712-21.7% | $173,730-48.3% | $87,485+2.7% |
| Participation rate | 45.7% | 73.0%-27.3pp | 79.6%-33.9pp | 68.9%-23.2pp |
| Annual return | 0.40% | 20.18%-19.8pp | 19.96%-19.6pp | 26.06%-25.7pp |
| Employer contribution / active EE | $1,015 | $2,904-65.0% | $4,577-77.8% | $2,596-60.9% |
| Participant deferral / active EE | $2,390 | $4,642-48.5% | $6,326-62.2% | $4,274-44.1% |
| Admin fee / account holder | $657 | $10,210-93.6% | $17,523-96.2% | $7,775-91.5% |