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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 | $42,908 | $45,872-6.5% | $77,096-44.3% | $68,486-37.3% |
| Participation rate | 40.3% | 55.9%-15.6pp | 67.9%-27.6pp | 67.9%-27.6pp |
| Annual return | -20.11% | 1.73%-21.8pp | 42.35%-62.5pp | -7.85%-12.3pp |
| Employer contribution / active EE | $745 | $1,650-54.8% | $2,814-73.5% | $2,597-71.3% |
| Participant deferral / active EE | $1,527 | $2,963-48.4% | $4,429-65.5% | $4,028-62.1% |
| Admin fee / account holder | $2,541 | $3,041-16.4% | $5,428-53.2% | $5,404-53.0% |