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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 | $37,694 | $69,977-46.1% | $108,582-65.3% | $62,881-40.1% |
| Participation rate | 64.7% | 72.9%-8.2pp | 79.6%-14.9pp | 69.3%-4.6pp |
| Annual return | -1.98% | 10.73%-12.7pp | -51.70%+49.7pp | 20.14%-22.1pp |
| Employer contribution / active EE | $971 | $2,135-54.5% | $3,758-74.2% | $2,281-57.4% |
| Participant deferral / active EE | $1,815 | $3,165-42.7% | $4,311-57.9% | $3,203-43.3% |
| Admin fee / account holder | $773 | $5,076-84.8% | $7,645-89.9% | $4,296-82.0% |