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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 | $40,132 | $50,947-21.2% | $74,551-46.2% | $64,173-37.5% |
| Participation rate | 24.0% | 61.1%-37.1pp | 69.1%-45.1pp | 69.6%-45.6pp |
| Annual return | -10.37% | -1.85%-8.5pp | 32.53%-42.9pp | 7.63%-18.0pp |
| Employer contribution / active EE | $494 | $1,115-55.7% | $1,961-74.8% | $2,381-79.3% |
| Participant deferral / active EE | $2,691 | $2,302+16.9% | $3,108-13.4% | $3,470-22.4% |
| Admin fee / account holder | $742 | $4,221-82.4% | $5,059-85.3% | $4,887-84.8% |