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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 | $9,312 | $25,979-64.2% | $71,755-87.0% | $68,486-86.4% |
| Participation rate | 38.5% | 54.5%-16.0pp | 62.3%-23.9pp | 67.9%-29.4pp |
| Annual return | -20.23% | -15.10%-5.1pp | 9.09%-29.3pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,240 | $900+37.7% | $1,704-27.2% | $2,597-52.3% |
| Participant deferral / active EE | $1,463 | $1,522-3.9% | $2,656-44.9% | $4,028-63.7% |
| Admin fee / account holder | $481 | $2,022-76.2% | $3,972-87.9% | $5,404-91.1% |