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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 | $21,404 | $43,344-50.6% | $59,899-64.3% | $64,173-66.6% |
| Participation rate | 40.7% | 69.2%-28.4pp | 74.7%-34.0pp | 69.6%-28.8pp |
| Annual return | -7.94% | -1.55%-6.4pp | 3.46%-11.4pp | 7.63%-15.6pp |
| Employer contribution / active EE | $794 | $2,030-60.9% | $2,723-70.8% | $2,381-66.6% |
| Participant deferral / active EE | $3,692 | $2,547+44.9% | $3,402+8.5% | $3,470+6.4% |
| Admin fee / account holder | $725 | $3,008-75.9% | $3,592-79.8% | $4,887-85.2% |