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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 | $34,419 | $61,660-44.2% | $80,022-57.0% | $64,173-46.4% |
| Participation rate | 39.4% | 71.7%-32.3pp | 75.8%-36.4pp | 69.6%-30.2pp |
| Annual return | -11.90% | -0.33%-11.6pp | 11.22%-23.1pp | 7.63%-19.5pp |
| Employer contribution / active EE | $665 | $1,810-63.3% | $2,468-73.0% | $2,381-72.1% |
| Participant deferral / active EE | $2,797 | $2,968-5.7% | $3,686-24.1% | $3,470-19.4% |
| Admin fee / account holder | $575 | $5,417-89.4% | $6,521-91.2% | $4,887-88.2% |