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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 | $54,919 | $50,947+7.8% | $74,549-26.3% | $64,173-14.4% |
| Participation rate | 38.1% | 61.1%-23.0pp | 69.1%-31.1pp | 69.6%-31.5pp |
| Annual return | -9.45% | -1.85%-7.6pp | 32.53%-42.0pp | 7.63%-17.1pp |
| Employer contribution / active EE | $763 | $1,115-31.6% | $1,961-61.1% | $2,381-68.0% |
| Participant deferral / active EE | $1,939 | $2,302-15.8% | $3,108-37.6% | $3,470-44.1% |
| Admin fee / account holder | $1,103 | $4,221-73.9% | $5,059-78.2% | $4,887-77.4% |