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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 | $23,724 | $87,016-72.7% | $63,244-62.5% | $125,389-81.1% |
| Participation rate | 26.3% | 77.1%-50.7pp | 71.0%-44.7pp | 83.2%-56.9pp |
| Annual return | -27.56% | 21.71%-49.3pp | -70.31%+42.8pp | 282.24%-309.8pp |
| Employer contribution / active EE | $526 | $3,601-85.4% | $2,322-77.3% | $4,866-89.2% |
| Participant deferral / active EE | $1,557 | $3,939-60.5% | $2,953-47.3% | $5,352-70.9% |
| Admin fee / account holder | $8,064 | $11,954-32.5% | $5,893+36.8% | $9,541-15.5% |