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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 | $23,726 | $50,947-53.4% | $74,549-68.2% | $64,173-63.0% |
| Participation rate | 47.5% | 61.1%-13.6pp | 69.1%-21.6pp | 69.6%-22.1pp |
| Annual return | -8.18% | -1.85%-6.3pp | 32.53%-40.7pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,058 | $1,115-5.1% | $1,961-46.0% | $2,381-55.6% |
| Participant deferral / active EE | $3,349 | $2,302+45.5% | $3,108+7.8% | $3,470-3.5% |
| Admin fee / account holder | $2,995 | $4,221-29.0% | $5,059-40.8% | $4,887-38.7% |