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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 | $45,232 | $56,484-19.9% | $169,452-73.3% | $64,173-29.5% |
| Participation rate | 33.3% | 64.5%-31.2pp | 77.8%-44.4pp | 69.6%-36.2pp |
| Annual return | -10.33% | -1.55%-8.8pp | 1.83%-12.2pp | 7.63%-18.0pp |
| Employer contribution / active EE | $629 | $1,832-65.7% | $4,157-84.9% | $2,381-73.6% |
| Participant deferral / active EE | $1,482 | $3,448-57.0% | $5,277-71.9% | $3,470-57.3% |
| Admin fee / account holder | $646 | $4,174-84.5% | $9,110-92.9% | $4,887-86.8% |