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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 | $22,046 | $73,863-70.2% | $143,797-84.7% | $68,490-67.8% |
| Participation rate | 26.9% | 66.7%-39.7pp | 80.3%-53.4pp | 67.9%-41.0pp |
| Annual return | -21.20% | 0.91%-22.1pp | -0.04%-21.2pp | -7.85%-13.3pp |
| Employer contribution / active EE | $867 | $3,185-72.8% | $4,952-82.5% | $2,597-66.6% |
| Participant deferral / active EE | $1,665 | $3,385-50.8% | $5,638-70.5% | $4,028-58.7% |
| Admin fee / account holder | $330 | $5,756-94.3% | $14,679-97.8% | $5,403-93.9% |