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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 | $19,595 | $33,067-40.7% | $76,523-74.4% | $56,287-65.2% |
| Participation rate | 20.7% | 55.4%-34.6pp | 68.0%-47.3pp | 69.9%-49.1pp |
| Annual return | -8.52% | 2.72%-11.2pp | -0.27%-8.3pp | -9.96%+1.4pp |
| Employer contribution / active EE | $552 | $1,200-54.0% | $2,647-79.1% | $2,111-73.8% |
| Participant deferral / active EE | $806 | $2,240-64.0% | $3,835-79.0% | $3,350-75.9% |
| Admin fee / account holder | $1,058 | $537+97.1% | $4,848-78.2% | $521+103.1% |