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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 | $32,821 | $35,183-6.7% | $73,550-55.4% | $70,126-53.2% |
| Participation rate | 13.7% | 42.9%-29.2pp | 54.9%-41.2pp | 69.5%-55.9pp |
| Annual return | 5.22% | 26.90%-21.7pp | -15.16%+20.4pp | 73.15%-67.9pp |
| Employer contribution / active EE | $310 | $709-56.2% | $1,219-74.5% | $2,343-86.8% |
| Participant deferral / active EE | $636 | $1,220-47.9% | $1,804-64.8% | $3,332-80.9% |
| Admin fee / account holder | $366 | $2,302-84.1% | $2,320-84.2% | $4,645-92.1% |