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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 | $46,526 | $67,411-31.0% | $91,004-48.9% | $70,126-33.7% |
| Participation rate | 33.3% | 71.4%-38.0pp | 75.6%-42.3pp | 69.5%-36.2pp |
| Annual return | 11.09% | -40.16%+51.2pp | 4.60%+6.5pp | 73.15%-62.1pp |
| Employer contribution / active EE | $732 | $1,786-59.0% | $2,456-70.2% | $2,343-68.8% |
| Participant deferral / active EE | $1,861 | $2,823-34.1% | $3,548-47.5% | $3,332-44.1% |
| Admin fee / account holder | $3,347 | $4,236-21.0% | $5,417-38.2% | $4,645-28.0% |