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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 | $19,340 | $56,484-65.8% | $169,452-88.6% | $64,173-69.9% |
| Participation rate | 35.3% | 64.5%-29.3pp | 77.8%-42.5pp | 69.6%-34.3pp |
| Annual return | -15.83% | -1.55%-14.3pp | 1.83%-17.7pp | 7.63%-23.5pp |
| Employer contribution / active EE | $664 | $1,832-63.8% | $4,157-84.0% | $2,381-72.1% |
| Participant deferral / active EE | $1,858 | $3,448-46.1% | $5,277-64.8% | $3,470-46.5% |
| Admin fee / account holder | $750 | $4,174-82.0% | $9,110-91.8% | $4,887-84.7% |