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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 | $47,028 | $57,140-17.7% | $85,240-44.8% | $80,959-41.9% |
| Participation rate | 21.2% | 56.4%-35.2pp | 67.5%-46.3pp | 67.7%-46.5pp |
| Annual return | -2.33% | 21.71%-24.0pp | 66.75%-69.1pp | 35.67%-38.0pp |
| Employer contribution / active EE | $741 | $1,802-58.9% | $2,735-72.9% | $2,757-73.1% |
| Participant deferral / active EE | $1,202 | $3,115-61.4% | $4,527-73.5% | $4,300-72.0% |
| Admin fee / account holder | $559 | $4,992-88.8% | $6,165-90.9% | $6,925-91.9% |