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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 | $48,494 | $76,401-36.5% | $106,387-54.4% | $64,173-24.4% |
| Participation rate | 43.8% | 73.5%-29.8pp | 77.5%-33.7pp | 69.6%-25.8pp |
| Annual return | -7.95% | -2.19%-5.8pp | 0.25%-8.2pp | 7.63%-15.6pp |
| Employer contribution / active EE | $923 | $2,680-65.6% | $3,520-73.8% | $2,381-61.2% |
| Participant deferral / active EE | $2,003 | $4,274-53.1% | $5,421-63.1% | $3,470-42.3% |
| Admin fee / account holder | $3,599 | $4,610-21.9% | $7,510-52.1% | $4,887-26.4% |