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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 | $44,749 | $52,678-15.1% | $75,784-41.0% | $59,633-25.0% |
| Participation rate | 47.2% | 67.2%-20.0pp | 75.8%-28.6pp | 68.7%-21.4pp |
| Annual return | -6.03% | 2.95%-9.0pp | 9.68%-15.7pp | 2041.45%-2047.5pp |
| Employer contribution / active EE | $1,566 | $2,193-28.6% | $3,323-52.9% | $2,203-28.9% |
| Participant deferral / active EE | $2,839 | $2,591+9.6% | $3,652-22.3% | $3,192-11.1% |
| Admin fee / account holder | $1,689 | $3,610-53.2% | $5,300-68.1% | $4,297-60.7% |