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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 | $44,654 | $32,037+39.4% | $69,182-35.5% | $62,881-29.0% |
| Participation rate | 26.5% | 43.4%-17.0pp | 55.1%-28.6pp | 69.3%-42.8pp |
| Annual return | 3.45% | 15.16%-11.7pp | -21.93%+25.4pp | 20.14%-16.7pp |
| Employer contribution / active EE | $159 | $679-76.6% | $1,206-86.8% | $2,281-93.0% |
| Participant deferral / active EE | $1,621 | $1,185+36.8% | $1,897-14.5% | $3,203-49.4% |
| Admin fee / account holder | $1,588 | $2,608-39.1% | $2,697-41.1% | $4,296-63.0% |