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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 | $35,332 | $42,909-17.7% | $60,906-42.0% | $68,486-48.4% |
| Participation rate | 31.0% | 66.8%-35.7pp | 73.1%-42.1pp | 67.9%-36.9pp |
| Annual return | -19.06% | -13.99%-5.1pp | 16.94%-36.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $673 | $1,979-66.0% | $2,703-75.1% | $2,597-74.1% |
| Participant deferral / active EE | $2,066 | $2,866-27.9% | $3,814-45.8% | $4,028-48.7% |
| Admin fee / account holder | $1,820 | $3,104-41.4% | $3,227-43.6% | $5,404-66.3% |