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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 | $21,124 | $56,484-62.6% | $169,452-87.5% | $64,173-67.1% |
| Participation rate | 21.4% | 64.5%-43.1pp | 77.8%-56.4pp | 69.6%-48.1pp |
| Annual return | -9.03% | -1.55%-7.5pp | 1.83%-10.9pp | 7.63%-16.7pp |
| Employer contribution / active EE | $655 | $1,832-64.2% | $4,157-84.2% | $2,381-72.5% |
| Participant deferral / active EE | $1,790 | $3,448-48.1% | $5,277-66.1% | $3,470-48.4% |
| Admin fee / account holder | $3,387 | $4,174-18.9% | $9,110-62.8% | $4,887-30.7% |