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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 | $14,298 | $49,280-71.0% | $67,313-78.8% | $64,173-77.7% |
| Participation rate | 50.0% | 60.8%-10.8pp | 69.1%-19.1pp | 69.6%-19.6pp |
| Annual return | -11.77% | -1.39%-10.4pp | -4.08%-7.7pp | 7.63%-19.4pp |
| Employer contribution / active EE | $767 | $1,668-54.0% | $2,566-70.1% | $2,381-67.8% |
| Participant deferral / active EE | $1,388 | $2,484-44.1% | $3,568-61.1% | $3,470-60.0% |
| Admin fee / account holder | $1,075 | $3,863-72.2% | $4,507-76.1% | $4,887-78.0% |