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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 | $49,553 | $42,383+16.9% | $76,518-35.2% | $64,173-22.8% |
| Participation rate | 20.9% | 58.1%-37.2pp | 68.0%-47.1pp | 69.6%-48.6pp |
| Annual return | -9.30% | -16.54%+7.2pp | -0.27%-9.0pp | 7.63%-16.9pp |
| Employer contribution / active EE | $350 | $1,563-77.6% | $2,647-86.8% | $2,381-85.3% |
| Participant deferral / active EE | $2,472 | $2,566-3.7% | $3,836-35.6% | $3,470-28.8% |
| Admin fee / account holder | $3,657 | $3,198+14.4% | $4,849-24.6% | $4,887-25.2% |