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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 | $33,011 | $78,015-57.7% | $178,505-81.5% | $80,959-59.2% |
| Participation rate | 24.7% | 65.7%-40.9pp | 77.1%-52.4pp | 67.7%-42.9pp |
| Annual return | -6.48% | 18.10%-24.6pp | 27.16%-33.6pp | 35.67%-42.1pp |
| Employer contribution / active EE | $676 | $2,281-70.3% | $3,955-82.9% | $2,757-75.5% |
| Participant deferral / active EE | $2,915 | $4,406-33.8% | $6,280-53.6% | $4,300-32.2% |
| Admin fee / account holder | $4,868 | $7,160-32.0% | $10,428-53.3% | $6,925-29.7% |