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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 | $21,181 | $40,264-47.4% | $57,349-63.1% | $59,633-64.5% |
| Participation rate | 56.4% | 69.2%-12.8pp | 75.1%-18.7pp | 68.7%-12.3pp |
| Annual return | -2.71% | 27.51%-30.2pp | 24.40%-27.1pp | 2041.40%-2044.1pp |
| Employer contribution / active EE | $764 | $1,922-60.2% | $2,689-71.6% | $2,203-65.3% |
| Participant deferral / active EE | $2,008 | $2,400-16.3% | $3,162-36.5% | $3,192-37.1% |
| Admin fee / account holder | $1,334 | $2,819-52.7% | $3,356-60.3% | $4,297-69.0% |