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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 | $51,633 | $43,344+19.1% | $59,899-13.8% | $64,173-19.5% |
| Participation rate | 41.2% | 69.2%-28.0pp | 74.7%-33.5pp | 69.6%-28.4pp |
| Annual return | -8.26% | -1.55%-6.7pp | 3.46%-11.7pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,243 | $2,030-38.8% | $2,723-54.4% | $2,381-47.8% |
| Participant deferral / active EE | $2,093 | $2,547-17.8% | $3,402-38.5% | $3,470-39.7% |
| Admin fee / account holder | $962 | $3,008-68.0% | $3,592-73.2% | $4,887-80.3% |