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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 | $48,286 | $54,320-11.1% | $67,652-28.6% | $52,331-7.7% |
| Participation rate | 62.1% | 73.6%-11.5pp | 75.7%-13.5pp | 68.1%-6.0pp |
| Annual return | -2.03% | 6.81%-8.8pp | 6625.40%-6627.4pp | 4.54%-6.6pp |
| Employer contribution / active EE | $1,858 | $1,544+20.3% | $2,266-18.0% | $1,882-1.3% |
| Participant deferral / active EE | $3,521 | $2,950+19.3% | $3,560-1.1% | $3,022+16.5% |
| Admin fee / account holder | $1,394 | $527+164.7% | $4,821-71.1% | $592+135.6% |