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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 | $39,237 | $46,697-16.0% | $117,529-66.6% | $68,490-42.7% |
| Participation rate | 32.5% | 56.8%-24.3pp | 70.6%-38.1pp | 67.9%-35.4pp |
| Annual return | -22.35% | -14.52%-7.8pp | 29.77%-52.1pp | -7.85%-14.5pp |
| Employer contribution / active EE | $794 | $1,506-47.2% | $4,179-81.0% | $2,597-69.4% |
| Participant deferral / active EE | $3,065 | $2,637+16.2% | $4,072-24.7% | $4,028-23.9% |
| Admin fee / account holder | $2,590 | $4,023-35.6% | $5,645-54.1% | $5,403-52.1% |