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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 | $26,038 | $50,947-48.9% | $74,551-65.1% | $64,173-59.4% |
| Participation rate | 39.7% | 61.1%-21.4pp | 69.1%-29.4pp | 69.6%-29.9pp |
| Annual return | -12.23% | -1.85%-10.4pp | 32.53%-44.8pp | 7.63%-19.9pp |
| Employer contribution / active EE | $910 | $1,115-18.4% | $1,961-53.6% | $2,381-61.8% |
| Participant deferral / active EE | $2,230 | $2,302-3.1% | $3,108-28.3% | $3,470-35.7% |
| Admin fee / account holder | $399 | $4,221-90.5% | $5,059-92.1% | $4,887-91.8% |