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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 | $36,366 | $59,834-39.2% | $79,576-54.3% | $68,495-46.9% |
| Participation rate | 37.8% | 61.1%-23.3pp | 69.5%-31.7pp | 67.9%-30.1pp |
| Annual return | -20.87% | -12.30%-8.6pp | 0.15%-21.0pp | -7.84%-13.0pp |
| Employer contribution / active EE | $548 | $1,505-63.6% | $2,413-77.3% | $2,596-78.9% |
| Participant deferral / active EE | $1,903 | $3,024-37.1% | $3,985-52.2% | $4,028-52.7% |
| Admin fee / account holder | $758 | $4,835-84.3% | $6,834-88.9% | $5,403-86.0% |