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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 | $25,758 | $62,586-58.8% | $76,766-66.4% | $64,181-59.9% |
| Participation rate | 37.7% | 72.8%-35.1pp | 77.0%-39.3pp | 69.6%-31.9pp |
| Annual return | -8.41% | -1.95%-6.5pp | 2.43%-10.8pp | 7.63%-16.0pp |
| Employer contribution / active EE | $700 | $1,832-61.8% | $2,485-71.8% | $2,381-70.6% |
| Participant deferral / active EE | $1,988 | $3,145-36.8% | $3,851-48.4% | $3,470-42.7% |
| Admin fee / account holder | $4,436 | $4,667-4.9% | $6,675-33.5% | $4,887-9.2% |