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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 | $53,350 | $47,944+11.3% | $67,834-21.4% | $62,881-15.2% |
| Participation rate | 44.6% | 61.1%-16.4pp | 68.8%-24.2pp | 69.3%-24.7pp |
| Annual return | 2.22% | 11.77%-9.5pp | 138.47%-136.3pp | 20.14%-17.9pp |
| Employer contribution / active EE | $1,093 | $1,562-30.0% | $2,403-54.5% | $2,281-52.1% |
| Participant deferral / active EE | $1,898 | $2,247-15.5% | $3,160-39.9% | $3,203-40.8% |
| Admin fee / account holder | $506 | $3,712-86.4% | $4,622-89.1% | $4,296-88.2% |