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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 | $51,204 | $40,275+27.1% | $57,356-10.7% | $59,633-14.1% |
| Participation rate | 44.1% | 69.1%-25.0pp | 75.1%-31.0pp | 68.7%-24.6pp |
| Annual return | -3.05% | 27.52%-30.6pp | 24.41%-27.5pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $520 | $1,921-72.9% | $2,689-80.6% | $2,203-76.4% |
| Participant deferral / active EE | $3,102 | $2,400+29.3% | $3,162-1.9% | $3,192-2.8% |
| Admin fee / account holder | $4,155 | $2,820+47.3% | $3,357+23.8% | $4,297-3.3% |