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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 | $15,092 | $32,037-52.9% | $69,182-78.2% | $62,881-76.0% |
| Participation rate | 63.6% | 43.4%+20.2pp | 55.1%+8.5pp | 69.3%-5.7pp |
| Annual return | 3.12% | 15.16%-12.0pp | -21.93%+25.1pp | 20.14%-17.0pp |
| Employer contribution / active EE | $107 | $679-84.2% | $1,206-91.1% | $2,281-95.3% |
| Participant deferral / active EE | $517 | $1,185-56.4% | $1,897-72.8% | $3,203-83.9% |
| Admin fee / account holder | $772 | $2,608-70.4% | $2,697-71.4% | $4,296-82.0% |