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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 | $20,793 | $48,050-56.7% | $96,754-78.5% | $64,340-67.7% |
| Participation rate | 33.0% | 40.6%-7.6pp | 70.3%-37.3pp | 55.2%-22.2pp |
| Annual return | -16.66% | 23.41%-40.1pp | 82.04%-98.7pp | 24.14%-40.8pp |
| Employer contribution / active EE | $476 | $1,204-60.5% | $2,679-82.2% | $1,862-74.5% |
| Participant deferral / active EE | $2,370 | $2,191+8.2% | $4,758-50.2% | $2,980-20.5% |
| Admin fee / account holder | $799 | $3,741-78.7% | $8,905-91.0% | $3,703-78.4% |