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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 | $52,897 | $52,836+0.1% | $105,736-50.0% | $64,173-17.6% |
| Participation rate | 37.0% | 66.5%-29.6pp | 76.3%-39.4pp | 69.6%-32.6pp |
| Annual return | -9.27% | 14.30%-23.6pp | 6.27%-15.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $624 | $1,827-65.8% | $3,268-80.9% | $2,381-73.8% |
| Participant deferral / active EE | $1,947 | $2,545-23.5% | $4,080-52.3% | $3,470-43.9% |
| Admin fee / account holder | $1,636 | $3,959-58.7% | $6,913-76.3% | $4,887-66.5% |