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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 | $27,706 | $85,790-67.7% | $67,313-58.8% | $135,382-79.5% |
| Participation rate | 60.0% | 76.5%-16.5pp | 69.1%-9.1pp | 82.6%-22.6pp |
| Annual return | -9.61% | -0.54%-9.1pp | -4.08%-5.5pp | 519.77%-529.4pp |
| Employer contribution / active EE | $1,243 | $3,487-64.4% | $2,566-51.6% | $4,779-74.0% |
| Participant deferral / active EE | $2,131 | $4,651-54.2% | $3,568-40.3% | $5,609-62.0% |
| Admin fee / account holder | $302 | $6,392-95.3% | $4,507-93.3% | $10,829-97.2% |