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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 | $58,508 | $73,009-19.9% | $90,756-35.5% | $68,495-14.6% |
| Participation rate | 43.2% | 70.8%-27.6pp | 75.7%-32.5pp | 67.9%-24.7pp |
| Annual return | -19.25% | -13.81%-5.4pp | -12.16%-7.1pp | -7.84%-11.4pp |
| Employer contribution / active EE | $830 | $2,193-62.2% | $2,922-71.6% | $2,596-68.0% |
| Participant deferral / active EE | $3,289 | $3,626-9.3% | $4,565-28.0% | $4,028-18.3% |
| Admin fee / account holder | $327 | $5,896-94.4% | $8,445-96.1% | $5,403-93.9% |