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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 | $12,411 | $43,333-71.4% | $59,883-79.3% | $64,181-80.7% |
| Participation rate | 38.6% | 69.2%-30.5pp | 74.7%-36.1pp | 69.6%-30.9pp |
| Annual return | -10.19% | -1.55%-8.6pp | 3.46%-13.7pp | 7.63%-17.8pp |
| Employer contribution / active EE | $360 | $2,029-82.3% | $2,722-86.8% | $2,381-84.9% |
| Participant deferral / active EE | $1,169 | $2,547-54.1% | $3,402-65.6% | $3,470-66.3% |
| Admin fee / account holder | $1,104 | $3,006-63.3% | $3,591-69.2% | $4,887-77.4% |