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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 | $54,661 | $50,947+7.3% | $74,549-26.7% | $64,173-14.8% |
| Participation rate | 48.0% | 61.1%-13.1pp | 69.1%-21.1pp | 69.6%-21.6pp |
| Annual return | -9.31% | -1.85%-7.5pp | 32.53%-41.8pp | 7.63%-16.9pp |
| Employer contribution / active EE | $1,115 | $1,1150% | $1,961-43.1% | $2,381-53.2% |
| Participant deferral / active EE | $2,657 | $2,302+15.5% | $3,108-14.5% | $3,470-23.4% |
| Admin fee / account holder | $2,232 | $4,221-47.1% | $5,059-55.9% | $4,887-54.3% |