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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 | $46,294 | $48,267-4.1% | $68,794-32.7% | $68,495-32.4% |
| Participation rate | 31.4% | 60.7%-29.2pp | 69.0%-37.6pp | 67.9%-36.5pp |
| Annual return | -20.68% | -12.70%-8.0pp | -6.37%-14.3pp | -7.84%-12.8pp |
| Employer contribution / active EE | $831 | $1,829-54.6% | $2,656-68.7% | $2,596-68.0% |
| Participant deferral / active EE | $1,063 | $2,867-62.9% | $3,941-73.0% | $4,028-73.6% |
| Admin fee / account holder | $1,054 | $4,362-75.8% | $4,934-78.6% | $5,403-80.5% |