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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 | $37,885 | $50,947-25.6% | $74,549-49.2% | $64,173-41.0% |
| Participation rate | 32.7% | 61.1%-28.3pp | 69.1%-36.4pp | 69.6%-36.8pp |
| Annual return | -9.23% | -1.85%-7.4pp | 32.53%-41.8pp | 7.63%-16.9pp |
| Employer contribution / active EE | $1,044 | $1,115-6.4% | $1,961-46.8% | $2,381-56.2% |
| Participant deferral / active EE | $3,138 | $2,302+36.4% | $3,108+1.0% | $3,470-9.6% |
| Admin fee / account holder | $473 | $4,221-88.8% | $5,059-90.7% | $4,887-90.3% |