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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 | $28,578 | $79,633-64.1% | $93,786-69.5% | $68,490-58.3% |
| Participation rate | 44.0% | 75.4%-31.4pp | 81.0%-37.0pp | 67.9%-23.9pp |
| Annual return | -21.92% | -0.10%-21.8pp | -11.32%-10.6pp | -7.85%-14.1pp |
| Employer contribution / active EE | $936 | $3,665-74.5% | $4,328-78.4% | $2,597-64.0% |
| Participant deferral / active EE | $2,687 | $5,158-47.9% | $6,100-55.9% | $4,028-33.3% |
| Admin fee / account holder | $399 | $6,871-94.2% | $7,184-94.4% | $5,403-92.6% |