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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 | $21,011 | $39,132-46.3% | $57,196-63.3% | $62,881-66.6% |
| Participation rate | 69.0% | 70.5%-1.5pp | 75.3%-6.4pp | 69.3%-0.3pp |
| Annual return | -3.05% | 9.24%-12.3pp | 14.59%-17.6pp | 20.14%-23.2pp |
| Employer contribution / active EE | $587 | $1,874-68.7% | $2,683-78.1% | $2,281-74.3% |
| Participant deferral / active EE | $966 | $2,374-59.3% | $3,096-68.8% | $3,203-69.8% |
| Admin fee / account holder | $7,332 | $2,594+182.6% | $3,141+133.4% | $4,296+70.7% |