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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 | $47,953 | $61,660-22.2% | $80,022-40.1% | $64,173-25.3% |
| Participation rate | 36.1% | 71.7%-35.6pp | 75.8%-39.7pp | 69.6%-33.5pp |
| Annual return | -9.94% | -0.33%-9.6pp | 11.22%-21.2pp | 7.63%-17.6pp |
| Employer contribution / active EE | $798 | $1,810-55.9% | $2,468-67.7% | $2,381-66.5% |
| Participant deferral / active EE | $2,084 | $2,968-29.8% | $3,686-43.5% | $3,470-39.9% |
| Admin fee / account holder | $1,911 | $5,417-64.7% | $6,521-70.7% | $4,887-60.9% |