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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 | $27,662 | $32,037-13.7% | $69,182-60.0% | $62,881-56.0% |
| Participation rate | 26.7% | 43.4%-16.8pp | 55.1%-28.4pp | 69.3%-42.6pp |
| Annual return | 4.23% | 15.16%-10.9pp | -21.93%+26.2pp | 20.14%-15.9pp |
| Employer contribution / active EE | $252 | $679-63.0% | $1,206-79.1% | $2,281-89.0% |
| Participant deferral / active EE | $389 | $1,185-67.1% | $1,897-79.5% | $3,203-87.8% |
| Admin fee / account holder | $575 | $2,608-78.0% | $2,697-78.7% | $4,296-86.6% |