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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 | $44,072 | $65,704-32.9% | $94,229-53.2% | $59,633-26.1% |
| Participation rate | 45.6% | 72.1%-26.5pp | 78.8%-33.2pp | 68.7%-23.1pp |
| Annual return | -3.49% | 5.22%-8.7pp | 10.68%-14.2pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $914 | $2,021-54.7% | $3,587-74.5% | $2,203-58.5% |
| Participant deferral / active EE | $2,962 | $3,143-5.8% | $4,320-31.4% | $3,192-7.2% |
| Admin fee / account holder | $1,815 | $4,265-57.4% | $6,269-71.1% | $4,297-57.8% |