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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 | $51,957 | $48,267+7.6% | $68,808-24.5% | $68,486-24.1% |
| Participation rate | 36.9% | 60.7%-23.8pp | 69.0%-32.1pp | 67.9%-31.0pp |
| Annual return | -21.90% | -12.70%-9.2pp | -6.37%-15.5pp | -7.85%-14.0pp |
| Employer contribution / active EE | $592 | $1,829-67.6% | $2,656-77.7% | $2,597-77.2% |
| Participant deferral / active EE | $1,086 | $2,867-62.1% | $3,942-72.5% | $4,028-73.0% |
| Admin fee / account holder | $2,205 | $4,362-49.4% | $4,936-55.3% | $5,404-59.2% |