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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 | $38,599 | $89,553-56.9% | $81,367-52.6% | $52,331-26.2% |
| Participation rate | 42.5% | 82.2%-39.8pp | 82.3%-39.8pp | 68.1%-25.6pp |
| Annual return | -1.33% | 4.41%-5.7pp | -0.92%-0.4pp | 4.54%-5.9pp |
| Employer contribution / active EE | $1,321 | $3,780-65.1% | $3,930-66.4% | $1,882-29.8% |
| Participant deferral / active EE | $3,183 | $5,359-40.6% | $5,383-40.9% | $3,022+5.3% |
| Admin fee / account holder | $3,031 | $1,914+58.4% | $8,926-66.0% | $592+412.4% |