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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 | $18,673 | $53,546-65.1% | $69,890-73.3% | $68,490-72.7% |
| Participation rate | 49.0% | 64.5%-15.5pp | 70.5%-21.5pp | 67.9%-18.9pp |
| Annual return | -19.84% | -13.87%-6.0pp | 190.84%-210.7pp | -7.85%-12.0pp |
| Employer contribution / active EE | $966 | $2,019-52.2% | $2,560-62.3% | $2,597-62.8% |
| Participant deferral / active EE | $2,652 | $2,957-10.3% | $3,848-31.1% | $4,028-34.1% |
| Admin fee / account holder | $502 | $4,693-89.3% | $6,267-92.0% | $5,403-90.7% |