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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 | $21,614 | $72,177-70.1% | $115,038-81.2% | $59,633-63.8% |
| Participation rate | 63.3% | 72.6%-9.2pp | 81.4%-18.0pp | 68.7%-5.3pp |
| Annual return | -4.59% | 12.02%-16.6pp | 26.14%-30.7pp | 2041.45%-2046.0pp |
| Employer contribution / active EE | $1,782 | $2,841-37.3% | $4,608-61.3% | $2,203-19.1% |
| Participant deferral / active EE | $4,711 | $4,783-1.5% | $6,026-21.8% | $3,192+47.6% |
| Admin fee / account holder | $474 | $4,927-90.4% | $8,175-94.2% | $4,297-89.0% |