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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 | $43,950 | $51,222-14.2% | $70,544-37.7% | $75,173-41.5% |
| Participation rate | 53.3% | 61.0%-7.6pp | 68.4%-15.0pp | 67.2%-13.9pp |
| Annual return | 8.09% | 30.06%-22.0pp | 32.79%-24.7pp | 160.72%-152.6pp |
| Employer contribution / active EE | $905 | $1,827-50.4% | $2,976-69.6% | $2,671-66.1% |
| Participant deferral / active EE | $2,183 | $2,850-23.4% | $4,568-52.2% | $4,126-47.1% |
| Admin fee / account holder | $4,852 | $4,096+18.5% | $6,427-24.5% | $5,651-14.1% |