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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 | $37,410 | $61,660-39.3% | $80,022-53.3% | $64,173-41.7% |
| Participation rate | 62.5% | 71.7%-9.2pp | 75.8%-13.3pp | 69.6%-7.1pp |
| Annual return | -15.16% | -0.33%-14.8pp | 11.22%-26.4pp | 7.63%-22.8pp |
| Employer contribution / active EE | $536 | $1,810-70.4% | $2,468-78.3% | $2,381-77.5% |
| Participant deferral / active EE | $1,491 | $2,968-49.8% | $3,686-59.5% | $3,470-57.0% |
| Admin fee / account holder | $460 | $5,417-91.5% | $6,521-92.9% | $4,887-90.6% |