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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 | $42,589 | $50,947-16.4% | $74,551-42.9% | $64,173-33.6% |
| Participation rate | 48.7% | 61.1%-12.3pp | 69.1%-20.4pp | 69.6%-20.9pp |
| Annual return | -10.61% | -1.85%-8.8pp | 32.53%-43.1pp | 7.63%-18.2pp |
| Employer contribution / active EE | $1,216 | $1,115+9.0% | $1,961-38.0% | $2,381-48.9% |
| Participant deferral / active EE | $3,323 | $2,302+44.4% | $3,108+6.9% | $3,470-4.2% |
| Admin fee / account holder | $488 | $4,221-88.4% | $5,059-90.4% | $4,887-90.0% |