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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 | $44,955 | $46,360-3.0% | $147,617-69.5% | $52,331-14.1% |
| Participation rate | 64.4% | 64.9%-0.6pp | 84.6%-20.3pp | 68.1%-3.7pp |
| Annual return | -2.34% | 1.62%-4.0pp | 61.98%-64.3pp | 4.54%-6.9pp |
| Employer contribution / active EE | $751 | $2,126-64.7% | $5,564-86.5% | $1,882-60.1% |
| Participant deferral / active EE | $3,910 | $2,258+73.2% | $4,895-20.1% | $3,022+29.4% |
| Admin fee / account holder | $1,003 | $766+30.9% | $11,612-91.4% | $592+69.5% |