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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 | $65,712-78.8% | $57,196-75.6% | $273,972-94.9% |
| Participation rate | 44.4% | 78.3%-33.9pp | 75.3%-30.9pp | 83.0%-38.6pp |
| Annual return | -7.07% | 22.01%-29.1pp | 14.59%-21.7pp | 41.46%-48.5pp |
| Employer contribution / active EE | $430 | $3,280-86.9% | $2,683-84.0% | $4,869-91.2% |
| Participant deferral / active EE | $838 | $3,782-77.8% | $3,096-72.9% | $5,287-84.1% |
| Admin fee / account holder | $1,508 | $4,838-68.8% | $3,141-52.0% | $10,133-85.1% |