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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 | $46,880 | $59,819-21.6% | $79,583-41.1% | $68,490-31.6% |
| Participation rate | 44.7% | 61.1%-16.3pp | 69.5%-24.8pp | 67.9%-23.2pp |
| Annual return | -20.75% | -12.30%-8.5pp | 0.16%-20.9pp | -7.85%-12.9pp |
| Employer contribution / active EE | $813 | $1,505-46.0% | $2,414-66.3% | $2,597-68.7% |
| Participant deferral / active EE | $2,634 | $3,025-12.9% | $3,986-33.9% | $4,028-34.6% |
| Admin fee / account holder | $1,710 | $4,835-64.6% | $6,835-75.0% | $5,403-68.4% |