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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 | $45,229 | $63,703-29.0% | $93,063-51.4% | $82,448-45.1% |
| Participation rate | 37.1% | 63.8%-26.7pp | 72.1%-35.0pp | 68.1%-31.0pp |
| Annual return | 12.09% | -775.43%+787.5pp | 34.15%-22.1pp | 41.64%-29.5pp |
| Employer contribution / active EE | $680 | $1,729-60.7% | $2,476-72.6% | $2,551-73.4% |
| Participant deferral / active EE | $1,713 | $2,919-41.3% | $3,958-56.7% | $4,139-58.6% |
| Admin fee / account holder | $5,211 | $5,982-12.9% | $6,033-13.6% | $7,234-28.0% |