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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 | $27,703 | $75,962-63.5% | $154,111-82.0% | $64,173-56.8% |
| Participation rate | 69.4% | 70.4%-1.0pp | 83.0%-13.6pp | 69.6%-0.1pp |
| Annual return | -8.61% | 30.32%-38.9pp | 735.18%-743.8pp | 7.63%-16.2pp |
| Employer contribution / active EE | $674 | $3,350-79.9% | $5,298-87.3% | $2,381-71.7% |
| Participant deferral / active EE | $2,414 | $3,175-24.0% | $5,081-52.5% | $3,470-30.4% |
| Admin fee / account holder | $514 | $5,589-90.8% | $13,411-96.2% | $4,887-89.5% |