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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 | $21,034 | $50,947-58.7% | $74,551-71.8% | $64,173-67.2% |
| Participation rate | 53.8% | 61.1%-7.2pp | 69.1%-15.3pp | 69.6%-15.7pp |
| Annual return | -8.37% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $379 | $1,115-66.0% | $1,961-80.7% | $2,381-84.1% |
| Participant deferral / active EE | $1,954 | $2,302-15.1% | $3,108-37.1% | $3,470-43.7% |
| Admin fee / account holder | $733 | $4,221-82.6% | $5,059-85.5% | $4,887-85.0% |