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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 | $15,392 | $45,872-66.4% | $77,096-80.0% | $68,486-77.5% |
| Participation rate | 19.0% | 55.9%-37.0pp | 67.9%-49.0pp | 67.9%-48.9pp |
| Annual return | -31.52% | 1.73%-33.2pp | 42.35%-73.9pp | -7.85%-23.7pp |
| Employer contribution / active EE | $740 | $1,650-55.2% | $2,814-73.7% | $2,597-71.5% |
| Participant deferral / active EE | $1,633 | $2,963-44.9% | $4,429-63.1% | $4,028-59.5% |
| Admin fee / account holder | $1,913 | $3,041-37.1% | $5,428-64.8% | $5,404-64.6% |