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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 | $37,308 | $49,177-24.1% | $79,466-53.1% | $64,173-41.9% |
| Participation rate | 35.6% | 65.0%-29.5pp | 73.3%-37.8pp | 69.6%-34.0pp |
| Annual return | -8.64% | -1.16%-7.5pp | 718.28%-726.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $380 | $2,076-81.7% | $2,800-86.4% | $2,381-84.0% |
| Participant deferral / active EE | $983 | $2,821-65.2% | $3,704-73.5% | $3,470-71.7% |
| Admin fee / account holder | $1,406 | $3,839-63.4% | $5,104-72.5% | $4,887-71.2% |