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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 | $22,461 | $70,002-67.9% | $115,037-80.5% | $52,331-57.1% |
| Participation rate | 55.9% | 72.1%-16.2pp | 81.4%-25.5pp | 68.1%-12.2pp |
| Annual return | -3.96% | 4.04%-8.0pp | 26.14%-30.1pp | 4.54%-8.5pp |
| Employer contribution / active EE | $1,002 | $2,715-63.1% | $4,608-78.3% | $1,882-46.8% |
| Participant deferral / active EE | $2,661 | $4,920-45.9% | $6,026-55.8% | $3,022-11.9% |
| Admin fee / account holder | $386 | $566-31.7% | $8,175-95.3% | $592-34.7% |