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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 | $15,338 | $46,360-66.9% | $147,617-89.6% | $52,331-70.7% |
| Participation rate | 41.7% | 64.9%-23.2pp | 84.6%-42.9pp | 68.1%-26.4pp |
| Annual return | -4.99% | 1.62%-6.6pp | 61.98%-67.0pp | 4.54%-9.5pp |
| Employer contribution / active EE | $1,492 | $2,126-29.8% | $5,564-73.2% | $1,882-20.7% |
| Participant deferral / active EE | $2,727 | $2,258+20.8% | $4,895-44.3% | $3,022-9.8% |
| Admin fee / account holder | $357 | $766-53.4% | $11,612-96.9% | $592-39.7% |