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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 | $39,580 | $50,947-22.3% | $74,549-46.9% | $64,173-38.3% |
| Participation rate | 47.5% | 61.1%-13.6pp | 69.1%-21.7pp | 69.6%-22.1pp |
| Annual return | -9.73% | -1.85%-7.9pp | 32.53%-42.3pp | 7.63%-17.4pp |
| Employer contribution / active EE | $331 | $1,115-70.3% | $1,961-83.1% | $2,381-86.1% |
| Participant deferral / active EE | $2,705 | $2,302+17.5% | $3,108-13.0% | $3,470-22.0% |
| Admin fee / account holder | $1,023 | $4,221-75.8% | $5,059-79.8% | $4,887-79.1% |