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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 | $51,099 | $50,947+0.3% | $74,551-31.5% | $64,173-20.4% |
| Participation rate | 44.0% | 61.1%-17.1pp | 69.1%-25.1pp | 69.6%-25.6pp |
| Annual return | -9.04% | -1.85%-7.2pp | 32.53%-41.6pp | 7.63%-16.7pp |
| Employer contribution / active EE | $223 | $1,115-80.0% | $1,961-88.6% | $2,381-90.6% |
| Participant deferral / active EE | $1,720 | $2,302-25.3% | $3,108-44.7% | $3,470-50.4% |
| Admin fee / account holder | $8,163 | $4,221+93.4% | $5,059+61.3% | $4,887+67.0% |