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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 | $37,388 | $53,596-30.2% | $90,657-58.8% | $64,173-41.7% |
| Participation rate | 24.4% | 64.5%-40.1pp | 74.0%-49.6pp | 69.6%-45.1pp |
| Annual return | -10.37% | 4.41%-14.8pp | 1.89%-12.3pp | 7.63%-18.0pp |
| Employer contribution / active EE | $568 | $1,503-62.2% | $2,532-77.6% | $2,381-76.1% |
| Participant deferral / active EE | $1,485 | $2,459-39.6% | $3,424-56.6% | $3,470-57.2% |
| Admin fee / account holder | $313 | $3,868-91.9% | $4,994-93.7% | $4,887-93.6% |