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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 | $21,007 | $25,979-19.1% | $71,755-70.7% | $68,486-69.3% |
| Participation rate | 43.8% | 54.5%-10.7pp | 62.3%-18.5pp | 67.9%-24.1pp |
| Annual return | -20.79% | -15.10%-5.7pp | 9.09%-29.9pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,128 | $900+25.2% | $1,704-33.8% | $2,597-56.6% |
| Participant deferral / active EE | $1,791 | $1,522+17.7% | $2,656-32.6% | $4,028-55.5% |
| Admin fee / account holder | $460 | $2,022-77.2% | $3,972-88.4% | $5,404-91.5% |