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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 | $20,102 | $35,183-42.9% | $73,550-72.7% | $70,126-71.3% |
| Participation rate | 26.9% | 42.9%-16.0pp | 54.9%-28.0pp | 69.5%-42.6pp |
| Annual return | -7.66% | 26.90%-34.6pp | -15.16%+7.5pp | 73.15%-80.8pp |
| Employer contribution / active EE | $664 | $709-6.3% | $1,219-45.5% | $2,343-71.7% |
| Participant deferral / active EE | $3,150 | $1,220+158.2% | $1,804+74.6% | $3,332-5.5% |
| Admin fee / account holder | $2,228 | $2,302-3.2% | $2,320-3.9% | $4,645-52.0% |