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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 | $38,262 | $61,660-37.9% | $80,022-52.2% | $64,173-40.4% |
| Participation rate | 43.4% | 71.7%-28.3pp | 75.8%-32.4pp | 69.6%-26.2pp |
| Annual return | -10.89% | -0.33%-10.6pp | 11.22%-22.1pp | 7.63%-18.5pp |
| Employer contribution / active EE | $824 | $1,810-54.5% | $2,468-66.6% | $2,381-65.4% |
| Participant deferral / active EE | $2,586 | $2,968-12.8% | $3,686-29.8% | $3,470-25.5% |
| Admin fee / account holder | $1,563 | $5,417-71.2% | $6,521-76.0% | $4,887-68.0% |