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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 | $27,495 | $43,730-37.1% | $121,220-77.3% | $64,173-57.2% |
| Participation rate | 46.2% | 58.3%-12.2pp | 71.8%-25.6pp | 69.6%-23.4pp |
| Annual return | -8.50% | 68.94%-77.4pp | 16.94%-25.4pp | 7.63%-16.1pp |
| Employer contribution / active EE | $696 | $1,297-46.3% | $4,023-82.7% | $2,381-70.7% |
| Participant deferral / active EE | $2,257 | $2,281-1.0% | $3,345-32.5% | $3,470-34.9% |
| Admin fee / account holder | $630 | $3,502-82.0% | $5,021-87.5% | $4,887-87.1% |