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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 | $35,193 | $77,816-54.8% | $123,552-71.5% | $64,173-45.2% |
| Participation rate | 29.6% | 74.7%-45.1pp | 82.3%-52.7pp | 69.6%-39.9pp |
| Annual return | -8.68% | 12.49%-21.2pp | 119.20%-127.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $677 | $3,014-77.5% | $4,628-85.4% | $2,381-71.5% |
| Participant deferral / active EE | $2,551 | $5,240-51.3% | $6,426-60.3% | $3,470-26.5% |
| Admin fee / account holder | $3,838 | $5,519-30.5% | $9,285-58.7% | $4,887-21.5% |