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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 | $13,964 | $65,685-78.7% | $57,181-75.6% | $273,968-94.9% |
| Participation rate | 44.4% | 78.3%-33.9pp | 75.3%-30.9pp | 83.0%-38.6pp |
| Annual return | -7.07% | 21.99%-29.1pp | 14.59%-21.7pp | 41.45%-48.5pp |
| Employer contribution / active EE | $430 | $3,279-86.9% | $2,682-84.0% | $4,869-91.2% |
| Participant deferral / active EE | $838 | $3,781-77.8% | $3,096-72.9% | $5,287-84.1% |
| Admin fee / account holder | $1,508 | $4,835-68.8% | $3,139-52.0% | $10,132-85.1% |