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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 | $24,838 | $63,845-61.1% | $81,370-69.5% | $80,959-69.3% |
| Participation rate | 58.3% | 63.9%-5.5pp | 69.5%-11.2pp | 67.7%-9.3pp |
| Annual return | -0.93% | 16.37%-17.3pp | 24.85%-25.8pp | 35.67%-36.6pp |
| Employer contribution / active EE | $456 | $1,980-77.0% | $2,464-81.5% | $2,757-83.5% |
| Participant deferral / active EE | $2,773 | $3,093-10.3% | $3,885-28.6% | $4,300-35.5% |
| Admin fee / account holder | $7,139 | $5,688+25.5% | $5,749+24.2% | $6,925+3.1% |