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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 | $18,621 | $49,280-62.2% | $67,313-72.3% | $64,173-71.0% |
| Participation rate | 57.1% | 60.8%-3.6pp | 69.1%-11.9pp | 69.6%-12.4pp |
| Annual return | -11.90% | -1.39%-10.5pp | -4.08%-7.8pp | 7.63%-19.5pp |
| Employer contribution / active EE | $1,000 | $1,668-40.1% | $2,566-61.0% | $2,381-58.0% |
| Participant deferral / active EE | $1,813 | $2,484-27.0% | $3,568-49.2% | $3,470-47.8% |
| Admin fee / account holder | $396 | $3,863-89.8% | $4,507-91.2% | $4,887-91.9% |