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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 | $61,250 | $48,050+27.5% | $85,969-28.8% | $59,633+2.7% |
| Participation rate | 39.5% | 64.5%-24.9pp | 76.5%-37.0pp | 68.7%-29.1pp |
| Annual return | -2.79% | 0.29%-3.1pp | 9.32%-12.1pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $1,708 | $1,640+4.2% | $3,474-50.8% | $2,203-22.4% |
| Participant deferral / active EE | $2,570 | $2,249+14.3% | $3,829-32.9% | $3,192-19.5% |
| Admin fee / account holder | $2,490 | $3,206-22.3% | $6,053-58.9% | $4,297-42.0% |