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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 | $19,124 | $35,183-45.6% | $73,545-74.0% | $70,124-72.7% |
| Participation rate | 27.9% | 42.9%-15.0pp | 54.9%-27.0pp | 69.5%-41.6pp |
| Annual return | -0.61% | 26.90%-27.5pp | -15.16%+14.6pp | 73.14%-73.7pp |
| Employer contribution / active EE | $266 | $709-62.5% | $1,219-78.2% | $2,342-88.6% |
| Participant deferral / active EE | $2,197 | $1,220+80.1% | $1,806+21.7% | $3,332-34.1% |
| Admin fee / account holder | $2,026 | $2,302-12.0% | $2,320-12.7% | $4,645-56.4% |