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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 | $10,973 | $25,979-57.8% | $71,702-84.7% | $68,495-84.0% |
| Participation rate | 26.7% | 54.5%-27.8pp | 62.3%-35.7pp | 67.9%-41.2pp |
| Annual return | -21.94% | -15.10%-6.8pp | 9.14%-31.1pp | -7.84%-14.1pp |
| Employer contribution / active EE | $830 | $900-7.8% | $1,704-51.3% | $2,596-68.0% |
| Participant deferral / active EE | $1,513 | $1,522-0.6% | $2,658-43.1% | $4,028-62.4% |
| Admin fee / account holder | $590 | $2,022-70.8% | $3,974-85.2% | $5,403-89.1% |