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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 | $7,046 | $25,979-72.9% | $71,702-90.2% | $68,495-89.7% |
| Participation rate | 8.5% | 54.5%-46.0pp | 62.3%-53.9pp | 67.9%-59.4pp |
| Annual return | -22.59% | -15.10%-7.5pp | 9.14%-31.7pp | -7.84%-14.8pp |
| Employer contribution / active EE | $314 | $900-65.1% | $1,704-81.6% | $2,596-87.9% |
| Participant deferral / active EE | $553 | $1,522-63.7% | $2,658-79.2% | $4,028-86.3% |
| Admin fee / account holder | $455 | $2,022-77.5% | $3,974-88.6% | $5,403-91.6% |