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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 | $16,222 | $25,014-35.2% | $69,623-76.7% | $80,935-80.0% |
| Participation rate | 28.6% | 64.2%-35.6pp | 66.4%-37.9pp | 67.7%-39.1pp |
| Annual return | 4.34% | 19.08%-14.7pp | 101.23%-96.9pp | 35.66%-31.3pp |
| Employer contribution / active EE | $503 | $991-49.3% | $1,709-70.6% | $2,757-81.8% |
| Participant deferral / active EE | $1,885 | $1,840+2.5% | $2,890-34.8% | $4,299-56.1% |
| Admin fee / account holder | $1,600 | $2,491-35.8% | $4,696-65.9% | $6,924-76.9% |