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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 | $13,483 | $45,872-70.6% | $77,081-82.5% | $68,495-80.3% |
| Participation rate | 40.0% | 55.9%-15.9pp | 67.9%-27.9pp | 67.9%-27.9pp |
| Annual return | -20.33% | 1.73%-22.1pp | 42.33%-62.7pp | -7.84%-12.5pp |
| Employer contribution / active EE | $815 | $1,650-50.6% | $2,813-71.0% | $2,596-68.6% |
| Participant deferral / active EE | $1,178 | $2,963-60.2% | $4,428-73.4% | $4,028-70.8% |
| Admin fee / account holder | $1,537 | $3,041-49.4% | $5,427-71.7% | $5,403-71.5% |