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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 | $29,844 | $43,344-31.1% | $59,899-50.2% | $64,173-53.5% |
| Participation rate | 37.8% | 69.2%-31.3pp | 74.7%-36.9pp | 69.6%-31.7pp |
| Annual return | -9.12% | -1.55%-7.6pp | 3.46%-12.6pp | 7.63%-16.8pp |
| Employer contribution / active EE | $695 | $2,030-65.8% | $2,723-74.5% | $2,381-70.8% |
| Participant deferral / active EE | $934 | $2,547-63.3% | $3,402-72.6% | $3,470-73.1% |
| Admin fee / account holder | $2,371 | $3,008-21.2% | $3,592-34.0% | $4,887-51.5% |