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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 | $16,013 | $90,486-82.3% | $78,676-79.6% | $273,972-94.2% |
| Participation rate | 19.0% | 76.5%-57.5pp | 73.6%-54.5pp | 83.0%-64.0pp |
| Annual return | -4.74% | 75.62%-80.4pp | 62.19%-66.9pp | 41.46%-46.2pp |
| Employer contribution / active EE | $683 | $3,175-78.5% | $2,850-76.0% | $4,869-86.0% |
| Participant deferral / active EE | $883 | $3,901-77.4% | $3,517-74.9% | $5,287-83.3% |
| Admin fee / account holder | $1,738 | $5,263-67.0% | $4,510-61.5% | $10,133-82.8% |