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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 | $7,179 | $32,037-77.6% | $69,182-89.6% | $62,881-88.6% |
| Participation rate | 65.2% | 43.4%+21.8pp | 55.1%+10.1pp | 69.3%-4.1pp |
| Annual return | 2.96% | 15.16%-12.2pp | -21.93%+24.9pp | 20.14%-17.2pp |
| Employer contribution / active EE | $569 | $679-16.2% | $1,206-52.8% | $2,281-75.0% |
| Participant deferral / active EE | $1,042 | $1,185-12.1% | $1,897-45.1% | $3,203-67.5% |
| Admin fee / account holder | $1,245 | $2,608-52.3% | $2,697-53.8% | $4,296-71.0% |