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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 | $34,679 | $56,894-39.0% | $84,753-59.1% | $62,881-44.9% |
| Participation rate | 45.6% | 68.5%-22.9pp | 76.6%-31.0pp | 69.3%-23.7pp |
| Annual return | -16.59% | 6.30%-22.9pp | 22.78%-39.4pp | 20.14%-36.7pp |
| Employer contribution / active EE | $1,441 | $2,400-39.9% | $3,574-59.7% | $2,281-36.8% |
| Participant deferral / active EE | $2,029 | $2,709-25.1% | $3,712-45.3% | $3,203-36.7% |
| Admin fee / account holder | $477 | $3,581-86.7% | $5,333-91.1% | $4,296-88.9% |