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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 | $23,430 | $49,280-52.5% | $67,313-65.2% | $64,173-63.5% |
| Participation rate | 31.0% | 60.8%-29.8pp | 69.1%-38.1pp | 69.6%-38.6pp |
| Annual return | -10.56% | -1.39%-9.2pp | -4.08%-6.5pp | 7.63%-18.2pp |
| Employer contribution / active EE | $717 | $1,668-57.0% | $2,566-72.0% | $2,381-69.9% |
| Participant deferral / active EE | $2,112 | $2,484-15.0% | $3,568-40.8% | $3,470-39.1% |
| Admin fee / account holder | $348 | $3,863-91.0% | $4,507-92.3% | $4,887-92.9% |