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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 | $20,712 | $53,596-61.4% | $90,657-77.2% | $64,173-67.7% |
| Participation rate | 29.6% | 64.5%-34.9pp | 74.0%-44.4pp | 69.6%-39.9pp |
| Annual return | -12.67% | 4.41%-17.1pp | 1.89%-14.6pp | 7.63%-20.3pp |
| Employer contribution / active EE | $627 | $1,503-58.3% | $2,532-75.2% | $2,381-73.7% |
| Participant deferral / active EE | $1,449 | $2,459-41.1% | $3,424-57.7% | $3,470-58.2% |
| Admin fee / account holder | $2,139 | $3,868-44.7% | $4,994-57.2% | $4,887-56.2% |