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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 | $27,809 | $41,377-32.8% | $109,313-74.6% | $62,881-55.8% |
| Participation rate | 63.0% | 57.5%+5.4pp | 71.3%-8.3pp | 69.3%-6.3pp |
| Annual return | -0.19% | 11.05%-11.2pp | 22.07%-22.3pp | 20.14%-20.3pp |
| Employer contribution / active EE | $549 | $1,276-57.0% | $3,892-85.9% | $2,281-75.9% |
| Participant deferral / active EE | $1,381 | $2,045-32.5% | $3,166-56.4% | $3,203-56.9% |
| Admin fee / account holder | $914 | $2,884-68.3% | $5,666-83.9% | $4,296-78.7% |