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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 | $25,834 | $72,071-64.2% | $68,368-62.2% | $137,256-81.2% |
| Participation rate | 40.0% | 76.2%-36.2pp | 73.8%-33.8pp | 80.0%-40.0pp |
| Annual return | -51.75% | 353.14%-404.9pp | 292.57%-344.3pp | 220.34%-272.1pp |
| Employer contribution / active EE | $720 | $2,788-74.2% | $2,649-72.8% | $4,156-82.7% |
| Participant deferral / active EE | $6,812 | $4,410+54.5% | $4,123+65.2% | $6,407+6.3% |
| Admin fee / account holder | $3,179 | $5,336-40.4% | $5,150-38.3% | $12,270-74.1% |