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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 | $37,967 | $68,878-44.9% | $120,574-68.5% | $80,935-53.1% |
| Participation rate | 39.0% | 61.7%-22.6pp | 71.9%-32.9pp | 67.7%-28.6pp |
| Annual return | -1.77% | 23.67%-25.4pp | 107.42%-109.2pp | 35.66%-37.4pp |
| Employer contribution / active EE | $1,030 | $2,065-50.1% | $3,471-70.3% | $2,757-62.6% |
| Participant deferral / active EE | $1,800 | $3,189-43.5% | $4,996-64.0% | $4,299-58.1% |
| Admin fee / account holder | $11,589 | $5,782+100.4% | $9,445+22.7% | $6,924+67.4% |