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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 | $14,631 | $57,073-74.4% | $85,126-82.8% | $80,925-81.9% |
| Participation rate | 18.1% | 56.4%-38.3pp | 67.5%-49.5pp | 67.7%-49.6pp |
| Annual return | -3.86% | 21.69%-25.6pp | 66.63%-70.5pp | 35.65%-39.5pp |
| Employer contribution / active EE | $322 | $1,801-82.1% | $2,731-88.2% | $2,756-88.3% |
| Participant deferral / active EE | $1,180 | $3,113-62.1% | $4,523-73.9% | $4,299-72.5% |
| Admin fee / account holder | $2,430 | $4,988-51.3% | $6,160-60.6% | $6,940-65.0% |