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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 | $49,849 | $51,769-3.7% | $57,356-13.1% | $52,331-4.7% |
| Participation rate | 54.4% | 75.2%-20.8pp | 75.1%-20.7pp | 68.1%-13.7pp |
| Annual return | -2.37% | 2.43%-4.8pp | 24.41%-26.8pp | 4.54%-6.9pp |
| Employer contribution / active EE | $1,092 | $2,335-53.2% | $2,689-59.4% | $1,882-41.9% |
| Participant deferral / active EE | $2,381 | $2,794-14.8% | $3,162-24.7% | $3,022-21.2% |
| Admin fee / account holder | $646 | $295+119.2% | $3,357-80.8% | $592+9.2% |