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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 | $49,052 | $49,280-0.5% | $67,313-27.1% | $64,173-23.6% |
| Participation rate | 46.7% | 60.8%-14.1pp | 69.1%-22.4pp | 69.6%-22.9pp |
| Annual return | -10.36% | -1.39%-9.0pp | -4.08%-6.3pp | 7.63%-18.0pp |
| Employer contribution / active EE | $912 | $1,668-45.3% | $2,566-64.4% | $2,381-61.7% |
| Participant deferral / active EE | $2,754 | $2,484+10.8% | $3,568-22.8% | $3,470-20.6% |
| Admin fee / account holder | $1,973 | $3,863-48.9% | $4,507-56.2% | $4,887-59.6% |