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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 | $65,531 | $91,120-28.1% | $161,149-59.3% | $64,097+2.2% |
| Participation rate | 36.4% | 62.2%-25.8pp | 78.8%-42.5pp | 55.2%-18.8pp |
| Annual return | 11.16% | 17.95%-6.8pp | 21.16%-10.0pp | 34.64%-23.5pp |
| Employer contribution / active EE | $1,001 | $2,284-56.2% | $4,360-77.0% | $1,891-47.1% |
| Participant deferral / active EE | $2,219 | $3,708-40.2% | $6,153-63.9% | $3,080-28.0% |
| Admin fee / account holder | $15,052 | $4,535+231.9% | $15,194-0.9% | $3,454+335.7% |