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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 | $31,590 | $45,152-30.0% | $73,836-57.2% | $59,633-47.0% |
| Participation rate | 45.0% | 64.0%-19.0pp | 73.4%-28.4pp | 68.7%-23.7pp |
| Annual return | -3.73% | 27.40%-31.1pp | 2268.06%-2271.8pp | 2041.45%-2045.2pp |
| Employer contribution / active EE | $363 | $1,901-80.9% | $2,787-87.0% | $2,203-83.5% |
| Participant deferral / active EE | $1,350 | $2,573-47.5% | $3,583-62.3% | $3,192-57.7% |
| Admin fee / account holder | $2,787 | $3,515-20.7% | $4,882-42.9% | $4,297-35.1% |