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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 | $15,616 | $26,936-42.0% | $53,647-70.9% | $71,012-78.0% |
| Participation rate | 4.4% | 21.9%-17.5pp | 56.3%-51.9pp | 58.6%-54.2pp |
| Annual return | -10.75% | 81.59%-92.3pp | 358.33%-369.1pp | 37.67%-48.4pp |
| Employer contribution / active EE | $0 | $335-100.0% | $962-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $325 | $590-45.0% | $1,813-82.1% | $3,246-90.0% |
| Admin fee / account holder | $3,520 | $2,177+61.7% | $2,460+43.1% | $1,167+201.6% |