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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 | $47,389 | $81,870-42.1% | $119,634-60.4% | $68,490-30.8% |
| Participation rate | 40.9% | 71.9%-31.0pp | 79.3%-38.4pp | 67.9%-27.0pp |
| Annual return | -19.20% | -23.82%+4.6pp | -14.98%-4.2pp | -7.85%-11.3pp |
| Employer contribution / active EE | $935 | $2,692-65.2% | $4,232-77.9% | $2,597-64.0% |
| Participant deferral / active EE | $2,533 | $4,148-38.9% | $5,601-54.8% | $4,028-37.1% |
| Admin fee / account holder | $6,470 | $6,583-1.7% | $10,329-37.4% | $5,403+19.7% |