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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 | $16,060 | $45,872-65.0% | $77,100-79.2% | $68,490-76.6% |
| Participation rate | 33.3% | 55.9%-22.6pp | 67.9%-34.6pp | 67.9%-34.6pp |
| Annual return | -21.96% | 1.73%-23.7pp | 42.35%-64.3pp | -7.85%-14.1pp |
| Employer contribution / active EE | $593 | $1,650-64.1% | $2,815-78.9% | $2,597-77.2% |
| Participant deferral / active EE | $1,224 | $2,963-58.7% | $4,430-72.4% | $4,028-69.6% |
| Admin fee / account holder | $1,064 | $3,041-65.0% | $5,443-80.5% | $5,403-80.3% |