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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 | $39,306 | $73,019-46.2% | $90,766-56.7% | $68,490-42.6% |
| Participation rate | 32.7% | 70.8%-38.2pp | 75.7%-43.0pp | 67.9%-35.2pp |
| Annual return | -19.67% | -13.81%-5.9pp | -12.16%-7.5pp | -7.85%-11.8pp |
| Employer contribution / active EE | $1,037 | $2,193-52.7% | $2,922-64.5% | $2,597-60.1% |
| Participant deferral / active EE | $3,622 | $3,626-0.1% | $4,565-20.7% | $4,028-10.1% |
| Admin fee / account holder | $14,019 | $5,897+137.7% | $8,446+66.0% | $5,403+159.5% |